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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

Coronavirus COVID-19 Information

Our first priority is the safety and well-being of our customers, employees, and community. We understand there is a lot of concern and uncertainty surrounding the Coronavirus (COVID-19), and we are committed to providing our customers uninterrupted service.

Effective March 18, 2020, we will be closing our lobbies to walk-in traffic. If you require in-person assistance, please make prior arrangements. Our drive-up, night deposits, and ATM machines will continue to operate as normal.

We encourage customers to utilize our digital product offerings for their banking needs. There are many services you can access without having to visit the bank.

With these services, you can view your transactions, transfer funds, pay your bills, deposit checks, and get cash. If there is something else you need assisstance with, please contact us by phone or email.

We will continue to monitor this quickly changing situation. Please check back here for any further relevant information and updates.

Member FDIC Equal Housing Lender