The State Bank

Spirit Lake • Terril

The State Bank

1902 Hill Ave • Spirit Lake, IA 51360 • 712.336.2455
101 N State Street • Terril, IA 51364 • 712.853.6200


Mortgage Loans


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Loans

Real Estate Loans

The State Bank is in the real estate market...no, not in the market to buy or sell, we're in the market to make loans at competitive rates so "you" can buy or sell. If a change is in your near future, we can find a loan program to fit your needs. Make your dream home a reality with our help.
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Figure your payment with our loan calculator.

Consumer Loans

The State Bank offers consumer loans on a personal level. If you're planning a major purchase, an installment loan could be just what you need. We make installment loans at competitive interest rates with a payback schedule that fits your monthly budget.
Figure your payment with our loan calculator.

Agricultural Loans

The State Bank offers a full line of agricultural credit products to meet the needs of Dickinson County and surrounding area. Some of the services we offer include:

  • Operating Loans/Lines of Credit
  • Ag Real Estate Loans
  • Equipment/Capital Improvement Loans
  • Livestock Loans
  • Loans through State and Federal Farm Loan Programs: FSA, Iowa Family Farm Development Program, etc.

Figure your payment with our loan calculator.

Commercial Loans

Our commercial loan department stands ready to evaluate your business financial needs. We offer a variety of commercial lending products such as:

  • Business Lines of Credit
  • Corporate Credit Cards
  • Equipment Loans
  • Inventory Financing
  • Operating Capital Loans
  • SBA Guaranteed Loans

Figure your payment with our loan calculator.

Student Loans

Visit www.studentloan.org for more information about the student loan services we offer.

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On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.

Beginning January 1, 2010 The State Bank will no longer participate in the FDIC's Transaction Account Guarantee Program. Thus after December 31, 2009, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC's general deposit insurance rules.