Featured Savings Rates
Featured Accounts

The State Bank (IA)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.61%5-year CD60 Month CD w/Semi Annual Interest
1.00%1-year CD12 Month CD w/Semi Annual Interest
0.05%SavingsSavings Account

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

The State Bank (IA) is headquartered in Spirit Lake and is the 229th largest bank in the state of Iowa. It is also the 4,887th largest bank in the nation. It was established in 1928 and as of March of 2017, it had grown to 16 employees at 2 locations. The State Bank (IA)'s CD rates are 11% higher than the national average, and it has a B 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
Employees16
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD8.97%
Annual Interest Income$646.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$71.2MM$73.6MM
LoansQ1 2017vs Q1 2016$48.9MM$45.1MM
DepositsQ1 2017vs Q1 2016$61.1MM$64.2MM
Equity CapitalQ1 2017vs Q1 2016$8.7MM$8.3MM
Loan Loss AllowanceQ1 2017vs Q1 2016$815.00K$791.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$451.00K$556.00K
Real Estate OwnedQ1 2017vs Q1 2016$441.00K$0
Rates
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* 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
1.25%--IRA Savings
0.25%--Health Savings Account
0.15%*$100k*-Navigator Account
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k
0.05%--Savings Account

The State Bank (IA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$250k*-Money Fund Account
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k | 0.15% $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
1.61%$1k-24 Month CD w/Semi Annual Interest
1.61%$1k-60 Month CD w/Semi Annual Interest
1.51%$1k-36 Month CD w/Semi Annual Interest
1.30%$1k-30 Month Power Saver CD
1.20%$1k-18 Month CD w/Semi Annual Interest
1.00%$1k-12 Month CD w/Semi Annual Interest
0.70%$1k-9 Month CD
0.50%$1k-6 Month CD
0.35%$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