State Bank, the
State Bank, the is the primary bank subsidiary of its parent holding company, headquartered in Spirit Lake, IA. On its most recent Q1 2026 call report, State Bank, the reported $91M in total assets against $84M in deposits. Profitability tracks the broader industry — ROA 1.05%, ROE 13.30%, NIM 2.73%. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.35% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. 2 branches make up the footprint.
Headquarters Profile
- Address
- 1902 Hill Ave, SPIRIT LAKE, IA 51360
- County
- Dickinson
- Metro Area
- SPIRIT LAKE, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- October 5, 1928
- Branches
- 2 domestic
- Employees (FTE)
- 11
- FDIC Cert
- 13715
- Fed RSSD
- 550448
- Parent Holding Company
- STATE BANCO, LTD. (RSSD 1245200)
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State Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about State Bank, the
What are State Bank, the's total assets?
As of the Q1 2026 filing, State Bank, the reported total assets of $91.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank, the headquartered?
State Bank, the is headquartered in SPIRIT LAKE, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank, the founded?
State Bank, the was established in 1928, per the FDIC institution directory.
Is State Bank, the FDIC-insured?
Yes. State Bank, the is an FDIC-insured commercial bank (FDIC Certificate #13715). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank, the?
State Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does State Bank, the operate?
State Bank, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is State Bank, the's Texas Ratio?
State Bank, the's Texas Ratio is 5.22% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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