BanksSTATE BANK

STATE BANK

SPENCER, IAMicroEst. May 1, 1944, midnightFDIC #16151RSSD #651149FED
Latest · 2025-12-31

STATE BANK is an 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%. CET1 capital ratio: 13.49%, well above regulatory minimums. NPL ratio: 0.12% · Texas Ratio: 0.88%. Operates 3 domestic branches.

Assets
$74M
Deposits
$67M
Loans
$50M
Equity
$6M

Profitability

Return on Assets (ROA)0.85%
Return on Equity (ROE)10.13%
Net Interest Margin4.19%
Yield on Assets5.73%
Cost of Funds1.57%

Asset Quality

NPL Ratio0.12%
Net Charge-Off Ratio0.10%
Texas Ratio0.88%
NPA Ratio0.08%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio13.49%
Tier 1 Capital13.49%
Total Capital Ratio14.73%
Leverage Ratio8.51%
Loan-to-Deposit74.08%

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