Banks in Emerson, IA

Bank branch map: Emerson

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 1 institution operates 1 location in Emerson, according to the FDIC. 1 of them has coordinates on record and is on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Emerson

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Houghton State Bank is the only bank with an office in Emerson. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Houghton State Bank 1 branch · main office Red Oak, IA Bank · 1

Houghton State Bank has 1 branch in Emerson, 5 across Iowa and 5 nationwide. FDIC records list its main office in Red Oak, IA and show it operating since 1879. With $204.8 million in total assets on June 30, 2026, it ranks No. 2,960 of 4,232 U.S. banks by total assets. The 407 Howland Avenue Branch at 407 Howland St dates to 1903 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 407 Howland Avenue Branch

  407 Howland St, 51533

  Hours: see the bank's site
  DirectionsWebsite

Houghton State Bank: profile, branches and contacts

Banking in Emerson: the local picture

Short answer: 1 bank runs 1 branch in Emerson according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Houghton State Bank has its main office in Red Oak, IA, according to the FDIC.

The bank with the longest record here is Houghton State Bank, operating since 1879 according to the FDIC.

The one location here does not publish hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Emerson, and where the nearest one is if they do not.

Short answer: No branches in Emerson: Chase (nearest in Council Bluff, 27 mi), Wells Fargo (nearest in Atlantic, 34 mi), Bank of America (nearest in West Des Moines, 91 mi), PNC Bank, U.S. Bank (nearest in Council Bluffs, 27 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Urbandale, 96 mi), TD Bank, BMO (nearest in Woodbine, 52 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Emerson to the nearest branch in Iowa.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Emerson residents like anyone else.

Banks near Emerson

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Red Oak (9 miles) and Essex (14 miles). Shenandoah, 18 miles away, has the most banks nearby: 4.

Bank branch openings and closings in Emerson

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Emerson between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Emerson by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Emerson offices.

Short answer: Houghton State Bank is the largest bank with offices in Emerson, with $204.8 million in total assets on June 30, 2026, No. 2,960 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Emerson: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.