State Bank
Spencer, IA
IDRSSD: 651149
Total Assets
$73.73M
Latest filing
Total Deposits
$66.86M
Latest filing
Net Interest Margin
3.99%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/01/1944 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51301 |
| State and County Number | 19041 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Spencer, IA |
Operational Info
| Number of Employees | 11 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 05/01/1944 |
| Primary Insurance Agency | DIF |
| Website | www.statebankspencer.com |
| Data Updated | 11/14/2025 |
| CERT | 16151 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $73.73M |
| Total Deposits | $66.86M |
| Total Liabilities | $67.56M |
| Total Equity Capital | $6.17M |
| Net Income | $263.00k |
| Net Loans and Leases | $48.75M |
| Assets Per Employee ($Millions) | $6.14M |
| Bank Premises and Fixed Assets | $968.00k |
| Cash and Balances due from Depository Institutions | $10.88M |
| Deposits Held in Domestic Offices | $66.86M |
Key Performance Ratios
| Return on Assets (ROA) | 1.41% |
| Return on Equity (ROE) | 17.22% |
| Net Interest Margin | 3.99% |
| Efficiency Ratio | 67.96% |
| Tier 1 Risk-Based Capital Ratio | 13.705% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.368% |
| Earning Assets to total Assets | 93.38% |
Income and Expense
| Total Interest Income | $973.00k |
| Total Noninterest Income | $178.00k |
| Total Interest Expense | $274.00k |
| Total Noninterest Expense | $596.00k |
| Net Interest Income | $699.00k |
| Pre-tax Net Operating Income | $281.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $698.00k |
| Total Liabilities and Capital | $73.73M |
Securities
| Securities | $10.13M |
| Available-for-sale debt securities | $10.10M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of State Bank?
$73.73M as of the latest filing.
How much are State Bank's total deposits?
$66.86M in total deposits.
Where is State Bank located?
Spencer, IA.
What is the Net Interest Margin?
3.99%.
How many domestic offices does it operate?
3.
When was it established?
05/01/1944.
What is the Return on Assets (ROA)?
1.41%.
How much are total loans and leases?
$48.75M (latest filing).
What is the total interest income (latest filing)?
$973.00k.