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

The State Bank (IA) is headquartered in Spirit Lake and is the 219th largest bank in the state of Iowa. It is also the 4,544th largest bank in the nation. It was established in 1928 and as of September of 2018, it had grown to 14 employees at 2 locations. The State Bank (IA)'s CD rates are 68% higher than the national average, and it has an A health rating.

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Health
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
Employees14
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD8.53%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$75.7MM$71.7MM
LoansQ3 2018vs Q3 2017$47.5MM$49.4MM
DepositsQ3 2018vs Q3 2017$66.5MM$62.7MM
Equity CapitalQ3 2018vs Q3 2017$8.9MM$8.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$662.00K$899.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$0$722.00K
Real Estate OwnedQ3 2018vs Q3 2017$939.00K$582.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not The State Bank (IA); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The State Bank (IA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%--IRA Savings
0.25%*$100k*-Navigator Account
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k
0.25%--Health Savings Account
0.05%--Savings Account

The State Bank (IA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-Money Fund Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k | 0.25% $100k - $250k

The State Bank (IA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Now Account

The State Bank (IA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.42%$1k-24 Month CD w/Semi Annual Interest
2.01%$1k-36 Month CD w/Semi Annual Interest
2.01%$1k-60 Month CD w/Semi Annual Interest
1.76%$1k-30 Month Power Saver CD
1.51%$1k-12 Month CD w/Semi Annual Interest
1.51%$1k-18 Month CD w/Semi Annual Interest
1.00%$1k-6 Month CD
1.00%$1k-9 Month CD
0.75%$1k-3 Month CD
Locations


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

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