SBA lender profile
Houghton State Bank
Houghton State Bank appears in the public SBA loan data with 3 funded 7(a) loans since FY2010, totaling $506K, an average of $169K per loan, and an estimated 34 jobs supported. Its SBA lending concentrates in Iowa and the Manufacturing sector. With only 3 7(a) loans in the data, the sample is too small to read a charge-off rate as a track record.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
Is Houghton State Bank the right lender for you?
Houghton State Bank appears in the SBA record with 3 funded loans since FY2010, too few to read as a lending pattern. That is not a mark against the institution, but it does mean the record cannot tell you whether it lends to businesses like yours. Lenders with a deeper track record in your state and industry can.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $219M
- Headquarters
- Red Oak, IA
- FDIC cert
- #15405
- Status
- Active
Where Houghton State Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Iowa | 3 | $506K |
What Houghton State Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 2 | $438K |
| Retail Trade | 1 | $68K |
Houghton State Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 1 | $350K |
| 2022 | 1 | $88K |
| 2025 | 1 | $68K |
Related SBA lenders
Other lenders active in Iowa or in Manufacturing.
Comparing lenders? See how to choose an SBA lender by track record.
Houghton State Bank: frequently asked questions
Does Houghton State Bank offer SBA loans?
Yes. Houghton State Bank appears in the public SBA data with 3 funded SBA 7(a) loans totaling $506K.
How many SBA loans has Houghton State Bank made?
Houghton State Bank is associated with 3 SBA 7(a) loans totaling $506K in the public SBA data (as of 2026-03-31).
What is Houghton State Bank's SBA charge-off rate?
Houghton State Bank appears with only 3 7(a) loans in the data, too few for a charge-off rate to be meaningful as a track record. The SBA Lender Score treats fewer than 20 loans as insufficient data for the same reason; see our methodology.
Where does Houghton State Bank do most of its SBA lending?
Houghton State Bank's SBA lending in the data is most concentrated in Iowa, and by industry in Manufacturing.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Houghton State Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/houghton-state-bank/
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