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State Bank
Spencer, IA · FDIC Certificate #16151 · Chartered 05/0
Total assets
$74.91M
Total deposits
$68.19M
Total equity
$6.20M
Net loans
$50.98M
Branches (offices)
3
Net income (YTD)
$299.00K
Rank: #3,873 of 4,213 U.S. banks by assets · #205 of 225 in Iowa. Assets changed -0.6% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 9.65% |
| Net interest margin (YTD) | 4.18% |
| Equity to assets | 8.27% |
| Tier 1 leverage ratio | 8.31% |
| Uninsured deposits (share of deposits) | 18.0% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 74.8% |
| Real estate loans (share of loans) | 72.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $36.79M | 72.2% | |
| Commercial & industrial | $4.28M | 8.4% | |
| Consumer / individual | $1.27M | 2.5% | |
| Construction & development | $539.00K | 1.1% | |
| Agricultural | $9.00M | 17.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $85.10M | $79.58M | $228.00K | $5.02M |
| Jun 2023 | $81.69M | $75.94M | $345.00K | $5.17M |
| Jun 2024 | $73.98M | $67.74M | $447.00K | $5.64M |
| Jun 2025 | $75.37M | $68.34M | $474.00K | $6.05M |
| Jun 2026 | $74.91M | $68.19M | $299.00K | $6.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $68.19M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $68.19M.
Similar-sized banks
Southeast First National Bank ($74.91M) · Bonanza Valley State Bank ($74.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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