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 State Bank Spirit Lake, IA Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
You can compare State Bank Spirit Lake, IA rates to other rates in our database, including 12-month CD rates currently at 2.37%, 6-month CD rates at 3.50% and 3-month CD rates at 3.00%. Savings rates are at 0.05% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.25%. All these rates can be compared to State Bank Spirit Lake, IA rates. MonitorBankRates evaluates the financial stability of State Bank Spirit Lake, IA with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 17.00%. Rates were last updated on 04/17/2026. 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. 
Current Rate AvailabilityWe do not have State Bank Spirit Lake, IA rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates 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
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 & AssetsA-
Overall Health Grade
Score: 92/100
5.0
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 Offices
2
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About State Bank Spirit Lake, IAIs State Bank Spirit Lake, IA a safe place to deposit money?Yes, State Bank Spirit Lake, IA is considered a safe financial institution. With a Texas Ratio of 16.997026759167%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Banks
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