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Bankular
Local banking directory

Banks and Bank Branches in Spirit Lake, Iowa

The FDIC reported 4 deposit-reporting offices from 4 institutions in Spirit Lake as of June 30, 2025. Bankular currently provides 6 detailed location pages with addresses, maps and directions.

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FDIC-reported offices4
Institutions reporting4
Detailed location pages6
Reported branch deposits$763.9M
SOD reporting dateJune 30, 2025

Reported-office totals come from the annual FDIC Summary of Deposits survey. Maps and branch-detail links appear only for locations with a validated Bankular location page.

Market analysis

What the deposit data shows

FDIC SOD, June 30, 2025
Largest institutionBank Midwest43.36% of deposits
Top three share91.40%
Deposit HHI3,111Higher concentration
Current detailed pages62 more than the June 2025 SOD count

Bank Midwest held 43.36% of reported branch deposits in Spirit Lake. The three largest institutions together held 91.40%. Bankular places the resulting HHI of 3,111 in its higher concentration descriptive band.

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Detailed bank locations in Spirit Lake

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Detailed directory

Institutions with validated location pages

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Location pages

Detailed bank locations in Spirit Lake

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Local deposit market

Reported offices, deposits and market share

FDIC SOD, June 30, 2025
InstitutionReported officesDepositsShare
Bank Midwest1$331.2M43.36%
Central Bank1$193.2M25.29%
Northwest Bank1$173.8M22.75%
The State Bank1$65.7M8.60%