Bank routing number ยท Spirit Lake, Iowa
The State Bank Routing Number (ABA): 073920997
BankRegReports is independent of The State Bank and never asks for online banking logins or passwords.
The The State Bank routing number is 073920997. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
The State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 11.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $88.4M
- Tier 1 leverage ratio, Q2 2026
- 11.73%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 2 FDIC institution directory, current count
- Established
- 1928
Full financial profile · Is The State Bank safe? · Branch locations
The State Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 073920997 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; The 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, 2099, identify the institution within that district. The last digit, 7, 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 The 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 The State Bank checks or in its online banking. Ask the bank for wire instructions (www.statebankspiritlake.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 The State Bank
The State Bank is headquartered in Spirit Lake, Iowa and was established in 1928. It is in the SPIRIT LAKE, IA metro area. It reported $88.4M in total assets and $80.3M in deposits for Q2 2026, the 197th largest of the 225 banks headquartered in Iowa. See the largest banks in Iowa by total assets. It reports 2 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC. One other bank or credit union headquartered in Spirit Lake has a routing number listed here.
What the digits in 073920997 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, 2099, identify the institution within its Federal Reserve district. The last digit, 7, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 18 + 7 x 18 + 10 = 190, a multiple of 10, so 073920997 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the The State Bank routing number?
The The State Bank routing number is 073920997. It is the primary ABA routing transit number registered to The State Bank, headquartered in Spirit Lake, IA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the The State Bank wire routing number?
This page lists the primary routing number registered to The State Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with The State Bank before sending a wire.
Is ABA number 073920997 the routing number for The State Bank?
Yes. It is the primary routing number registered to The State Bank.
Which bank uses routing number 073920997?
It belongs to The State Bank, headquartered in Spirit Lake, IA. It is the bank's primary ABA routing number (FDIC certificate 13715).
Routing numbers of similar-size institutions in Iowa
- Bank, Spirit Lake, IA
- Bank Midwest: 073920829
- Bank, Manning, IA
- The First National Bank of Manning: 073904890
- Bank, Evansdale, IA
- First Security State Bank: 073922377
- Bank, Watkins, IA
- The Watkins Savings Bank: 073916406
- Credit union, Humboldt, IA
- Power Cooperative Employees Credit Union: 273975069
- Credit union, Webster City, IA
- Peoples Credit Union: 273976592
- Bank, Logan, IA
- Logan State Bank: 073904887
- Bank, Sanborn, IA
- Sanborn Savings Bank: 073905637
View The State Bank's full profile →
More in Iowa: routing numbers and banks. Have a number and want to know whose it is? Use the routing number lookup. New to routing numbers? What a routing number is.
Regulator records: FDIC BankFind (cert 13715) · FFIEC NIC profile (RSSD 550448)