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Spirit Lake, IA Metro Area Bank Deposit Market Share

Northwest Bank holds the largest share of deposits in the Spirit Lake, IA metro area, 25.4%, followed by Bank Midwest (23.4%) and Central Bank (14.7%). 8 institutions hold $1.34B at 16 offices as of June 30, 2026, up 3.6% from 2025.

Institutions: 8 Offices: 16 Deposits: $1.34B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Liberty National Bank (1.10 points); United Community Bank (0.69 points); Northwest Bank (0.66 points).

Lost: Bank Midwest (-2.27 points); Savings Bank (-0.39 points); Central Bank (-0.32 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 Northwest Bank 3 $339.0M 25.37% +0.66 pts 6.4%
2 Bank Midwest 2 $312.9M 23.43% -2.27 pts -5.5%
3 Central Bank 2 $195.9M 14.66% -0.32 pts 1.4%
4 United Community Bank 3 $178.0M 13.33% +0.69 pts 9.3%
5 Farmers Savings Bank 2 $118.9M 8.90% +0.66 pts 11.9%
6 The State Bank 2 $80.3M 6.01% -0.13 pts 1.4%
7 Savings Bank 1 $78.9M 5.91% -0.39 pts -2.8%
8 Liberty National Bank 1 $32.0M 2.39% +1.10 pts 91.6%

About this list

Deposits are those held at each institution's offices in Spirit Lake, IA (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.

Counties in this metro area

Dickinson County, IA

Statewide deposits

Iowa

Largest metro areas

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