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 State Bank
State Bank
| RSSD ID 651149 | CERTIFICATE 16151 | ABA NUMBER 73921954 |
| 728 Grand Ave |
Quarter Ended : |
2025-12-31 |
| Spencer, Iowa, 51301 |
Updated : |
2026-01-30 |
| www.statebankspencer.com |
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| Institution Profile |
| Year Opened : |
1944 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
3 |
Number of Employees : |
12 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 73,971 |
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Total Interest Income | 3,823 |
| Total Liabilities | 67,744 |
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Total NonInterest Income | 674 |
| Total Bank Equity Capital | 6,227 |
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Total Interest Expense | 1,092 |
| Total Deposits | 67,147 |
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Total NonInterest Expense | 2,469 |
| Net Loans & Leases | 49,161 |
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Net Income | 894 |
| Loan Loss Allowance | 580 |
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Net Charge Offs | 49 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 6,920 |
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Total loans | 49,458 |
| Total assets for the leverage ratio | 74,492 |
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Loans secured by real estate: | 34,661 |
| Tier 1 Leverage Ratio | 8.51 |
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Commercial and industrial loans | 5,591 |
| Tier 1 Capital Ratio | 13.49 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.73 |
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Loans to individuals - Other | 1,435 |
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:· State Bank
