The State Bank (IA)


Overview / Commentary
712-336-2455
1902 Hill Avenue
Spirit Lake, IA 51360

The State Bank (IA) is headquartered in SPIRIT LAKE and is the 202nd largest bank in the state of Iowa. It is also the 3,932nd largest bank in the nation. It was established in 1928 and as of March of 2025, it had grown to 11 employees at 2 locations. The State Bank (IA) has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The State Bank (IA) has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #13715
Year Established1928
Employees11
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD7.01%
Annual Interest Income$863K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$85.2MM$83.8MM
LoansQ1 2025vs Q1 2024$42.4MM$44.4MM
DepositsQ1 2025vs Q1 2024$78.6MM$74.6MM
Equity CapitalQ1 2025vs Q1 2024$6.1MM$5.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.4MM$1.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$235K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for The State Bank (IA) are currently being reviewed.

Locations


The State Bank (IA) Locations
Terril Branch101 North State StreetTerril, IA 51364
The State Bank1902 Hill AveSpirit Lake, IA 51360

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