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Regulatory profile
Spirit Lake, IA · FDIC certificate #5170 · RSSD 45551
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $1.3B | $1.1B | $1.0B | 1.01% | 10.28% | 3.99% |
| 2026-03-31 | $1.3B | $1.1B | $1.0B | 1.00% | 10.23% | 3.92% |
| 2025-12-31 | $1.3B | $1.2B | $1.0B | 0.85% | 9.44% | 3.71% |
| 2025-09-30 | $1.4B | $1.2B | $1.0B | 0.82% | 9.24% | 3.63% |
| 2025-06-30 | $1.4B | $1.2B | $1.0B | 0.74% | 8.49% | 3.59% |
| 2025-03-31 | $1.3B | $1.2B | $1.1B | 0.79% | 9.23% | 3.50% |
| 2024-12-31 | $1.4B | $1.2B | $1.1B | 0.55% | 6.60% | 3.33% |
| 2024-09-30 | $1.4B | $1.2B | $1.1B | 0.60% | 7.18% | 3.32% |
| 2024-06-30 | $1.3B | $1.1B | $1.1B | 0.70% | 8.59% | 3.30% |
| 2024-03-31 | $1.3B | $1.1B | $1.1B | 0.77% | 9.45% | 3.28% |
| 2023-12-31 | $1.4B | $1.1B | $1.1B | 0.62% | 8.11% | 3.32% |
| 2023-09-30 | $1.3B | $1.1B | $1.0B | 0.69% | 9.01% | 3.34% |
| 2023-06-30 | $1.3B | $1.1B | $1.0B | 0.83% | 11.05% | 3.36% |
| 2023-03-31 | $1.3B | $1.1B | $1.0B | 0.75% | 10.07% | 3.41% |
| 2022-12-31 | $1.3B | $1.1B | $1.0B | 1.14% | 14.50% | 3.66% |
| 2022-09-30 | $1.2B | $1.1B | $0.9B | 1.15% | 14.38% | 3.68% |
| 2022-06-30 | $1.2B | $1.0B | $0.9B | 1.10% | 13.36% | 3.61% |
| 2022-03-31 | $1.2B | $1.1B | $0.8B | 1.01% | 11.84% | 3.51% |
| 2021-12-31 | $1.2B | $1.1B | $0.8B | 1.28% | 13.99% | 3.75% |
| 2021-09-30 | $1.2B | $1.1B | $0.8B | 1.32% | 14.40% | 3.78% |
| 2021-06-30 | $1.2B | $1.0B | $0.8B | 1.21% | 13.19% | 3.54% |
| 2021-03-31 | $1.2B | $1.0B | $0.8B | 1.02% | 11.08% | 3.46% |
| 2020-12-31 | $1.1B | $1.0B | $0.8B | 1.10% | 11.62% | 3.95% |
| 2020-09-30 | $1.1B | $1.0B | $0.8B | 1.07% | 11.31% | 4.12% |
| 2020-06-30 | $1.1B | $0.9B | $0.8B | 1.10% | 11.57% | 4.40% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1203714 · 1996-08-01 to current
Unmatched RSSD entityRSSD 1857751 · 1991-01-02 to 1996-07-31
Unmatched RSSD entityRSSD 1124583 · 1980-12-31 to 1990-12-31
Unmatched RSSD entityRSSD 1124583 · 1979-05-24 to 1980-12-30
2011-06-03RSSD 831053 → 45551 · code 1
2000-10-09RSSD 840756 → 45551 · code 1
1997-06-01RSSD 852348 → 45551 · code 1
1991-01-01RSSD 87757 → 45551 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.