About Houghton State Bank

Welcome to Houghton State Bank. Our mission is to provide superior service to our customers and to the communities we serve. We strive to provide our customers with dependable banking products and services. As our competitors gear up to hire salespeople, we continue to hire professionals with in-depth banking and business experience. You can be confident that Houghton State Bank's employees and officers will not try to sell you a product just to reach a company sales goal. Our staff always has your best interests at heart. We have earned the trust of the communities we serve and will continue to place honesty, integrity and loyalty first where our customers are concerned. Tradition, professionalism and providing excellent service - that is what we are all about.

Houghton State Bank is locally empowered and regionally connected. We have the regional connection to offer our customers the service and products of a large metropolitan bank, but being locally empowered, allows us to add the value of personal service and caring. So, whether you are looking for a multi-million dollar business or agricultural loan or opening a savings account for a newborn, we are here to meet your needs.

If you are not currently a customer, I welcome the opportunity to serve you. If you are currently our customer, I want to thank you for your business and for allowing us to be part of your life.

James D. Sifford, President

Branch Locations

Red Oak

Address : 116 E Coolbaugh Street, Red Oak, IA 51566
Phone : (712) 623-4823
Fax: (712) 623-4512

Lobby
9:00 a.m. - 4:00 p.m. (Monday - Friday)

Drive-Up
8:00 a.m. - 4:00 p.m. (Monday - Friday)

Red Oak Plaza

Address : 1609 N. Broadway, Red Oak Plaza Shopping Center, Red Oak, IA 51566
Phone: (712) 623-8882
Fax: (712) 623-4195

Lobby
9:00 a.m. - 4:00 p.m. (Monday - Friday)
8:00 a.m. - Noon (Saturday)

Drive-Up
8:00 a.m. - 5:00 p.m. (Monday - Friday)
8:00 a.m. - Noon (Saturday)

Cumberland

Address : 103 Main Street, Cumberland, IA 50843
Phone: (712) 774-2234
Fax : (712) 774-2305

Lobby
8:00 a.m. - 2:00 p.m. (Monday - Friday)
8:00 a.m. - 10:00 a.m. (Saturday)

Elliott

Address : 301 Main Street, Elliott, IA 51532
Phone: (712) 767-2241
Fax: (712) 767-2243

Lobby
9:00 a.m. - 2:00 p.m. (Monday - Friday)
8:30 a.m. - 10:30 a.m. (Saturday)

Emerson

Address : 407 Howland Street, Emerson, IA 51533
Phone: (712) 824-7271
Fax : (712) 824-7267

Lobby
8:00 a.m. - 3:00 p.m. (Monday - Thursday)
8:00 a.m. - 4:00 p.m. (Friday)

Drive-Up
8:00 a.m. - 3:00 p.m. (Monday - Thursday)
8:00 a.m. - 4:00 p.m. (Friday)
8:30 a.m. - 10:30 a.m. (Saturday)

ATM Locations

  • Houghton State Bank Main Bank - 116 E. Coolbaugh Street, Red Oak, IA. 24-Hour/7 Days a week. Located inside of north entryway. Full service ATM.
  • Houghton State Bank Plaza Bank Location - Red Oak Plaza Shopping Center, 1609 N.Broadway, Red Oak, IA. 24-Hour/7 Days a week drive-up location. Full service ATM.
  • Houghton State Bank - 407 Howland St., Emerson, IA 51533. 24-Hour/7 Days a week drive-up location. Full service ATM.