The State Bank
| Weiss Ratings |
The State Bank
Spirit Lake, IA |
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| Rating | ||||
| Asset Quality Index | 9.20 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 3.10 | |||
| Stability Index | 5.50 | |||
| Company Info |
The State Bank
Spirit Lake, IA |
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| FDIC Number | 13715 | |||
| Phone Number | (712) 336-2455 | |||
| Website | www.statebankspiritlake.com | |||
| Asset Quality |
The State Bank
Spirit Lake, IA |
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| 1-Year Asset Growth | 8.61% | |||
| 5-Year Asset Growth | 3.41% | |||
| 5-Year Charge-Offs to Average Loans | -0.13% | |||
| Charge-Offs to Average Loans | 0.44% | |||
| Non-Performing Assets to Assets | 0.50% | |||
| Non-Performing Loans to Capital | 0.00% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
The State Bank
Spirit Lake, IA |
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| Total Assets | 89.15M | |||
| Total Deposits | 81.56M | |||
| Capital and Reserves |
The State Bank
Spirit Lake, IA |
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| Capital | 7.13M | |||
| Leverage Ratio | 11.32 | |||
| Loan Loss Reserves to Loans | 3.01% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The State Bank
Spirit Lake, IA |
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| Hot Money Ratio | 27.65% | |||
| Liquidity Ratio | 46.70% | |||
| Profitability |
The State Bank
Spirit Lake, IA |
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| 5-Year Return on Average Assets | 0.52% | |||
| Net Income | 479.00K | |||
| Net Interest Spread | 2.52% | |||
| Operating Profit to Average Assets | 0.76% | |||
| Overhead Efficiency Ratio | 69.56% | |||
| Return on Assets | 0.74% | |||
| Return on Equity | 10.22% | |||