State Bank Spirit Lake, IA Rates and Review March 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.
Read Full Bio →
Rate Updates and AvailabilityState 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. State Bank Spirit Lake, IA Texas RatioState Bank Spirit Lake, IA's Texas Ratio is at 17.00%, which is considered good. The Texas Ratio for State Bank Spirit Lake, IA is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
4.8
Exceptional
Out of 5.0 Stars
State Bank Spirit Lake, IA has earned a Smart Rating of 4.8 out of 5 stars. 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. Overall, State Bank Spirit Lake, IA is a exceptional bank worth considering, with an overall rating of 4.8 stars out of 5 stars. Overall Health & Safety Grade
B+
Good Health
Score: 90/100
State Bank Spirit Lake, IA has earned an overall safety grade of B+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/07/2026 
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 & OverviewState Bank Spirit Lake, IA
1902 Hill AveSpirit Lake, IA 51360 Dickinson Established Date: 10/05/1928 FDIC Certificate #: 13715 Date of FDIC Deposit Insurance: 01/20/1934 Bank Holding Company: STATE BANCO LTD How Many Domestic U.S. Offices? 2 How Many Branches are There? 2 Website: https://www.statebankspiritlake.com
Is State Bank Spirit Lake, IA FDIC Insured? Yes
What is State Bank Spirit Lake, IA's Cert number? 13715
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
4.8 / 5.0 ★
Overall Health & Safety Grade:
B+ (90/100)
Texas Ratio:
17.00%
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
Regulator:
FDIC
# of Offices:
2
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for State Bank Spirit Lake, IA yet. Feel free to create one below.
Add Your Rating and Review for State Bank Spirit Lake, IA
Frequently Asked Questions About State Bank Spirit Lake, IAHow do I open an account at State Bank Spirit Lake, IA?You can typically open an account at State Bank Spirit Lake, IA by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, State Bank Spirit Lake, IA provides a range of mortgage and home equity products. Is State Bank Spirit Lake, IA a safe place to deposit money?Yes, State Bank Spirit Lake, IA is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does State Bank Spirit Lake, IA offer online and mobile banking?Most modern institutions like State Bank Spirit Lake, IA provide digital access including online balance checks and transfers. Compare to other Banks |
You can compare State Bank Spirit Lake, IA rates to other rates in our database, including 12-month CD rates currently at 1.00%, 6-month CD rates at 0.25% and 3-month CD rates at 3.19%. Savings rates are at 0.75% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates, and more, can be found in our database of rates which you can compare to 
