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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

  • Apply for a mortgage anytime and anywhere.
  • Save your application to complete at a later time.

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Real Estate Loans

The State Bank is in the real estate, 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.
Apply Online Now
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.

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Member FDIC Equal Housing Lender