BanksSTATE BANK, THE

STATE BANK, THE

SPIRIT LAKE, IAMicroEst. Oct. 5, 1928, midnightFDIC #13715RSSD #550448FDIC
Latest · 2025-12-31

STATE BANK, THE is an 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%. CET1 capital ratio: 8.28%. NPL ratio: 0.00% · Texas Ratio: 5.21%. Operates 2 domestic branches.

Assets
$89M
Deposits
$81M
Loans
$44M
Equity
$7M

Profitability

Return on Assets (ROA)0.10%
Return on Equity (ROE)1.27%
Net Interest Margin2.93%
Yield on Assets4.76%
Cost of Funds1.84%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.33%
Texas Ratio5.21%
NPA Ratio0.51%
ACL / Loans2.91%

Capital & Liquidity

CET1 Ratio8.28%
Tier 1 Capital8.28%
Total Capital Ratio8.69%
Leverage Ratio10.99%
Loan-to-Deposit54.43%

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