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State Bank Spirit Lake, IA

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State Bank Spirit Lake, IA Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Bank Spirit Lake, IA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

State Bank Spirit Lake, IA rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not State Bank Spirit Lake, IA, and you can see how they compare in the State Bank Spirit Lake, IA rate tables below. MonitorBankRates evaluates the financial stability of State Bank Spirit Lake, IA with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.00%. Database rates last updated and verified on 08/29/2026.

State Bank Spirit Lake, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at State Bank Spirit Lake, IA? Share your experience about State Bank Spirit Lake, IA by leaving a review below, or read customer reviews before you decide to use State Bank Spirit Lake, IA.

Overall Health & Safety Grade

B+

Good Health Score: 90/100

MonitorBankRates Rating

4.8

Exceptional Out of 5.0 Stars

Texas Ratio

17.00%

Good Higher than avg

State Bank Spirit Lake, IA

1902 Hill Ave
Spirit Lake, IA 51360

https://www.statebankspiritlake.com

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for State Bank Spirit Lake, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather State Bank Spirit Lake, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with State Bank Spirit Lake, IA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name State Bank Spirit Lake, IA

Bank Holding Company STATE BANCO LTD

Address 1902 Hill Ave, Spirit Lake, IA 51360 · Dickinson

Website https://www.statebankspiritlake.com

FDIC Certificate # 13715

Established 10/05/1928

FDIC Insurance Date 01/20/1934

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 90/100

4.8

Exceptional Out of 5.0 Stars

17.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7680%

Return on Equity (ROE) 13.5600%

Non-Performing Loans (NPL) 0.77%

Total Assets $88,833,000

Total Deposits $81,055,000

Equity Capital $7,353,000

Net Income $502,000

Headquarters Spirit Lake

Total Branches and Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About State Bank Spirit Lake, IA

How many branches does State Bank Spirit Lake, IA operate?

State Bank Spirit Lake, IA currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, State Bank Spirit Lake, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Bank Spirit Lake, IA provides members with tools to manage their accounts and build a solid financial history.

Does State Bank Spirit Lake, IA offer online and mobile banking?

Most modern institutions like State Bank Spirit Lake, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.statebankspiritlake.com.