Houghton State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $219M | $183M | $147M | $35M | $802K | 1.50% | 9.28% | 4.07% | 3.29% |
| Q4 2025 | $210M | $175M | $156M | $34M | $749K | 1.52% | 9.64% | 4.04% | 0.71% |
| Q3 2025 | $205M | $167M | $153M | $34M | $791K | 1.55% | 9.94% | 4.02% | 0.47% |
| Q2 2025 | $206M | $172M | $153M | $33M | $856K | 1.56% | 10.20% | 3.96% | 2.06% |
| Q1 2025 | $214M | $181M | $156M | $33M | $800K | 1.49% | 9.97% | 3.85% | 0.55% |
| Q4 2024 | $216M | $183M | $159M | $32M | $831K | 1.36% | 10.05% | 3.54% | 0.30% |
| Q3 2024 | $220M | $188M | $166M | $31M | $676K | 1.30% | 9.84% | 3.49% | 0.15% |
| Q2 2024 | $217M | $175M | $167M | $30M | $756K | 1.34% | 10.39% | 3.53% | 0.18% |
| Q1 2024 | $229M | $183M | $175M | $29M | $755K | 1.31% | 10.52% | 3.43% | 0.08% |
| Q4 2023 | $232M | $170M | $177M | $28M | $692K | 1.29% | 10.61% | 3.44% | 0.10% |
| Q3 2023 | $218M | $179M | $164M | $27M | $684K | 1.32% | 10.86% | 3.49% | 0.07% |
| Q2 2023 | $216M | $182M | $160M | $27M | $754K | 1.35% | 11.28% | 3.52% | 0.04% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.