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.
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