Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$219M
Total Deposits
$183M
Net Loans
$147M
Net Income
$802K
ROA
1.50%
Above avg for Small banks. Peer avg: 0.44%
ROE
9.28%
Risk-Based Capital
20.47%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 27 | 100% | 0.00% |
| 2023 | 33 | 96.97% | 3.03% |
| 2019 | 56 | 92.86% | 1.79% |
| 2018 | 51 | 88.24% | 5.88% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Sep 2021 | Satisfactory | Small Bank |
| Nov 2015 | Satisfactory | Small Bank |
| Apr 2010 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1991
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
5
Branch Deposits
$172M
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/houghton-state-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: