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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.
  • Calculators to help you make the best decition.

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Sallie Mae Smart Option

Starting March 18, 2020, our lobbies will be restricted to appointments only.
Visit our Coronavirus (COVID-19) Information page for details and updates.

Small Business Customers
Visit our Paycheck Protection Program page for more information

Contact Us

At The State Bank, we value our customers and their opinions. Please feel free to submit any comments or questions you have about our institution, it's services, or this web site. Having satisfied customers is our number one goal. If you need more information on our many services, you can request that information here as well. If you'd rather send an e-mail, send it to

Spirit Lake
1902 Hill Avenue
Spirit Lake, IA 51360
Ph: 712.336.2455
Fax: 712.336.2463

Lobby Hours
Temporarily Closed due to COVID-19

Drive Up Hours
M-F: 8:00am to 5:00pm
Sat.: 9:00am to Noon
101 N State Street
Terril, IA 51364
Ph: 712.853.6200
Fax: 712.853.6201

Lobby Hours
Temporarily Closed due to COVID-19

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Member FDIC Equal Housing Lender