Bank routing number ยท Spencer, Iowa
State Bank Routing Number (ABA): 073921954
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The State Bank routing number is 073921954. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
State Bank at a glance
Its CET1 capital ratio was 13.56% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $74.9M
- CET1 ratio, Q2 2026
- 13.56%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Domestic offices
- 3 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1944
Full financial profile · Is State Bank safe? · State Bank call report · Branch locations
State Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 073921954 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; State Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 2195, identify the institution within that district. The last digit, 4, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to State Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your State Bank checks or in its online banking. Ask the bank for wire instructions (www.statebankspencer.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About State Bank
State Bank is headquartered in Spencer, Iowa and was established in 1944. It is in the SPENCER, IA metro area. It reported $74.9M in total assets and $68.2M in deposits for Q2 2026, the 205th largest of the 225 banks headquartered in Iowa. See the largest banks in Iowa by total assets. It reports 3 domestic offices. Its deposits have been FDIC insured since 1944. Its primary federal regulator is the Federal Reserve. 3 other banks and credit unions headquartered in Spencer have a routing number listed here.
What the digits in 073921954 mean
The first four digits, 0739, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 2195, identify the institution within its Federal Reserve district. The last digit, 4, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 18 + 7 x 14 + 8 = 160, a multiple of 10, so 073921954 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the State Bank routing number?
The State Bank routing number is 073921954. It is the primary ABA routing transit number registered to State Bank, headquartered in Spencer, IA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the State Bank wire routing number?
This page lists the primary routing number registered to State Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with State Bank before sending a wire.
Is ABA number 073921954 the routing number for State Bank?
Yes. It is the primary routing number registered to State Bank.
Which bank uses routing number 073921954?
It belongs to State Bank, headquartered in Spencer, IA. It is the bank's primary ABA routing number (FDIC certificate 16151).
Routing numbers of similar-size institutions in Iowa
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Regulator records: FDIC BankFind (cert 16151) · FFIEC NIC profile (RSSD 651149)