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The State Bank
Spirit Lake, IA · FDIC Certificate #13715 · Chartered 10/0
Total assets
$88.35M
Total deposits
$80.26M
Total equity
$7.69M
Net loans
$41.80M
Branches (offices)
2
Net income (YTD)
$526.00K
Rank: #3,761 of 4,213 U.S. banks by assets · #197 of 225 in Iowa. Assets changed 2.8% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 14.11% |
| Net interest margin (YTD) | 2.85% |
| Equity to assets | 8.71% |
| Tier 1 leverage ratio | 11.73% |
| Uninsured deposits (share of deposits) | 15.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 52.1% |
| Real estate loans (share of loans) | 81.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $34.16M | 81.7% | |
| Commercial & industrial | $5.05M | 12.1% | |
| Consumer / individual | $2.24M | 5.4% | |
| Construction & development | $4.11M | 9.8% | |
| Agricultural | $1.31M | 3.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $83.69M | $78.08M | $374.00K | $5.54M |
| Jun 2023 | $83.81M | $77.77M | $368.00K | $4.81M |
| Jun 2024 | $83.54M | $75.78M | $368.00K | $5.29M |
| Jun 2025 | $85.96M | $79.19M | $312.00K | $6.33M |
| Jun 2026 | $88.35M | $80.26M | $526.00K | $7.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $80.26M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $80.26M.
Similar-sized banks
Thayer County Bank ($88.49M) · Siouxland Bank ($88.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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