SPIRIT LAKE, IA · Supervised by Federal Reserve (FRB)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$1.3B
Total Deposits
$1.1B
Net Loans
$1.0B
Net Income
$3M
ROA
1.00%
Above avg for Community banks. Peer avg: 0.90%
ROE
10.23%
Risk-Based Capital
12.96%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2023 | 177 | 70.06% | 14.12% |
| 2022 | 341 | 76.54% | 8.21% |
| 2021 | 612 | 74.67% | 7.03% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2025 | Satisfactory | Intermediate Small Bank |
| May 2023 | Satisfactory | Intermediate Small Bank |
| Feb 2020 | Satisfactory | Intermediate Small Bank |
4 previous ratings locked — back to 2009
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Total Branches
11
Branch Deposits
$1.2B
1-Year Change
0
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