STATE BANK, THE

SPIRIT LAKE, IA | Micro | Est. Oct. 5, 1928, midnight | FDIC #13715 | RSSD #550448 | FDIC
Latest Report: 2025-12-31

STATE BANK, THE is amn micro FDIC-insured commercial bank headquartered in SPIRIT LAKE, IA, established in Oct. 5, 1928, midnight. As of 2025-12-31, the bank reported total assets of $89M and total deposits of $81M. Profitability stands at 0.10% ROA and 1.27% ROE, with a net interest margin of 2.93%. The bank's CET1 capital ratio is 8.28%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 5.21%. FDIC Certificate #13715.

Assets

$89M

Deposits

$81M

Loans

$44M

Equity

$7M

Profitability

Return on Assets (ROA) 0.10%
Return on Equity (ROE) 1.27%
Net Interest Margin (NIM) 2.93%
Yield on Assets 4.76%
Cost of Funds 2.23%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.33%
Texas Ratio 5.21%
NPA Ratio 0.51%
ACL / Loans 2.91%

Capital & Liquidity

CET1 Ratio 8.28%
Tier 1 Capital 8.28%
Total Capital Ratio 8.69%
Leverage Ratio 10.99%
Loan-to-Deposit 54.43%

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