STATE BANK

SPENCER, IA | Micro | Est. May 1, 1944, midnight | FDIC #16151 | RSSD #651149 | FED
Latest Report: 2025-12-31

STATE BANK is amn micro FDIC-insured commercial bank headquartered in SPENCER, IA, established in May 1, 1944, midnight. As of 2025-12-31, the bank reported total assets of $74M and total deposits of $67M. Profitability stands at 0.85% ROA and 10.13% ROE, with a net interest margin of 4.19%. The bank's CET1 capital ratio is 13.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.88%. FDIC Certificate #16151.

Assets

$74M

Deposits

$67M

Loans

$50M

Equity

$6M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 10.13%
Net Interest Margin (NIM) 4.19%
Yield on Assets 5.73%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.10%
Texas Ratio 0.88%
NPA Ratio 0.08%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 13.49%
Tier 1 Capital 13.49%
Total Capital Ratio 14.73%
Leverage Ratio 8.51%
Loan-to-Deposit 74.08%

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