US Bank Directory
Banks in Spirit Lake, IA
5 FDIC-insured banks operate 5 offices in Spirit Lake, Iowa, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Spirit Lake
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 6 banks and credit unions operate 6 locations in Spirit Lake, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Spirit Lake
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 5 banks share the most locations in Spirit Lake, with 1 each. 5 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Bank Midwest Bank · 1
Bank Midwest has 1 branch in Spirit Lake, 4 across Iowa and 11 nationwide. FDIC records list its main office in Spirit Lake, IA and show it operating since 1887. With $1.35 billion in total assets on June 30, 2026, it ranks No. 824 of 4,232 U.S. banks by total assets. Its main office at 1800 Royal Ave dates to 1887 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1800 Royal Ave, 51360
Central Bank Bank · 1
Central Bank has 1 branch in Spirit Lake, 17 across Iowa and 23 nationwide. FDIC records list its main office in Storm Lake, IA and show it operating since 1879. With $2.29 billion in total assets on June 30, 2026, it ranks No. 544 of 4,232 U.S. banks by total assets. The Spirit Lake Branch at 1400 18th St dates to 1935 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Spirit Lake Branch1400 18th St, 51360
Citizens Community Credit Union Credit union · 1
Citizens Community Credit Union has 1 office in Spirit Lake, 8 across Iowa. It is based in Fort Dodge, IA and $253.6 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Citizens Community Credit Union1310 18Th St Ste A, 51360
All hours
Mon to Thu not published; Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Farmers Savings Bank Bank · 1
Farmers Savings Bank has 1 branch in Spirit Lake, 3 across Iowa and 3 nationwide. FDIC records list its main office in Fostoria, IA and show it operating since 1916. With $215.3 million in total assets on June 30, 2026, it ranks No. 2,901 of 4,232 U.S. banks by total assets. The Spirit Lake Branch at 1109 18th St dates to 2026 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Spirit Lake Branch1109 18th St, 51360
Northwest Bank Bank · 1
Northwest Bank has 1 branch in Spirit Lake, 20 across Iowa and 22 nationwide. FDIC records list its main office in Spencer, IA and show it operating since 1988. With $3.00 billion in total assets on June 30, 2026, it ranks No. 427 of 4,232 U.S. banks by total assets. The Spirit Lake Branch at 1008 18th St dates to 1945 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Spirit Lake Branch1008 18th St, 51360
The State Bank Bank · 1
The State Bank has 1 branch in Spirit Lake, 2 across Iowa and 2 nationwide. FDIC records list its main office in Spirit Lake, IA and show it operating since 1928. With $88.4 million in total assets on June 30, 2026, it ranks No. 3,780 of 4,232 U.S. banks by total assets. Its main office at 1902 Hill Ave dates to 1928 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1902 Hill Ave, 51360
Join a credit union in Spirit Lake
1 credit union has 1 office here: Citizens Community Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Spirit Lake page has every office in the state's directory.
Banking in Spirit Lake: the local picture
Short answer: 5 banks run 5 branches in Spirit Lake according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 5 banks, 2 have their main office in Spirit Lake, 3 elsewhere in Iowa, according to the FDIC.
The bank with the longest record here is Central Bank, operating since 1879 according to the FDIC. In FDIC branch records, the longest-running branch is Bank Midwest's office at 1800 Royal Ave, dating to 1887; the newest is Farmers Savings Bank's at 1109 18th St, from 2026.
The only credit union with an office here is Citizens Community Credit Union.
Of the 1 location with published hours. None open on Saturday. 5 locations have no published hours in these sources.
Saturday hours in Spirit Lake
Short answer: None of the 1 Spirit Lake location with published hours lists Saturday hours. 5 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 5 of the 6 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Spirit Lake, and where the nearest one is if they do not.
Short answer: No branches in Spirit Lake: Chase (nearest in Ames, 123 mi), Wells Fargo (nearest in Fort Dodge, 79 mi), Bank of America (nearest in Urbandale, 141 mi), PNC Bank, U.S. Bank (nearest in Spencer, 20 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Urbandale, 143 mi), TD Bank, BMO (nearest in Carroll, 94 mi).
| Bank | In Spirit Lake | Nearest branch if none here |
|---|---|---|
| Chase | None | Ames, 123 miles away |
| Wells Fargo | None | Fort Dodge, 79 miles away |
| Bank of America | None | Urbandale, 141 miles away |
| PNC Bank | None | none in Iowa |
| U.S. Bank | None | Spencer, 20 miles away |
| Truist | None | none in Iowa |
| Fifth Third Bank | None | none in Iowa |
| Huntington | None | none in Iowa |
| Regions Bank | None | Urbandale, 143 miles away |
| TD Bank | None | none in Iowa |
| BMO | None | Carroll, 94 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Spirit Lake to the nearest branch in Iowa.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Spirit Lake residents like anyone else.
Banks near Spirit Lake
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Okoboji (3 miles) and Milford (7 miles). Spencer, 19 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Okoboji, IA | 3 mi | 4 | 4 |
| Banks in Milford, IA | 7 mi | 3 | 3 |
| Banks in Lake Park, IA | 11 mi | 2 | 2 |
| Banks in Estherville, IA | 14 mi | 3 | 4 |
| Banks in Spencer, IA | 19 mi | 5 | 6 |
| Banks in Hartley, IA | 25 mi | 2 | 2 |
| Banks in Emmetsburg, IA | 30 mi | 2 | 2 |
| Banks in Armstrong, IA | 32 mi | 2 | 2 |
Bank branch openings and closings in Spirit Lake
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Spirit Lake between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Apr 22, 2026 | Opened | Farmers Savings Bank | 1109 18th St, 51360 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Spirit Lake
Short answer: 2 institutions have their main office in Spirit Lake: Bank Midwest and The State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Bank Midwest | Bank | $1.35 billion | 1 |
| The State Bank | Bank | $88.4 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Spirit Lake by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Spirit Lake offices.
Short answer: Northwest Bank is the largest bank with offices in Spirit Lake, with $3.00 billion in total assets on June 30, 2026, No. 427 among U.S. banks by total assets. Central Bank is second with $2.29 billion. 2 of the 5 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Northwest Bank | $3.00 billion | No. 427 | 1 | Spencer, IA |
| Central Bank | $2.29 billion | No. 544 | 1 | Storm Lake, IA |
| Bank Midwest | $1.35 billion | No. 824 | 1 | Spirit Lake, IA |
| Farmers Savings Bank | $215.3 million | No. 2,901 | 1 | Fostoria, IA |
| The State Bank | $88.4 million | No. 3,780 | 1 | Spirit Lake, IA |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Spirit Lake: FAQ
How many banks are in Spirit Lake, IA?
Spirit Lake has 5 banks with 5 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Spirit Lake?
Northwest Bank, with 1. Central Bank has 1 and Bank Midwest has 1.
Is there a Northwest Bank in Spirit Lake, IA?
Yes. FDIC data lists 1 Northwest Bank branch in Spirit Lake as of September 5, 2026. The address and directions are under Northwest Bank above.
Is there a Central Bank in Spirit Lake, IA?
Yes. FDIC data lists 1 Central Bank branch in Spirit Lake as of September 5, 2026. The address and directions are under Central Bank above.
Is there a Bank Midwest in Spirit Lake, IA?
Yes. FDIC data lists 1 Bank Midwest branch in Spirit Lake as of September 5, 2026, the main office at 1800 Royal Ave. The address and directions are under Bank Midwest above.
Is there a Chase in Spirit Lake, IA?
No. FDIC data lists no Chase branch in Spirit Lake as of September 5, 2026. The nearest is in Ames, about 123 miles away in a straight line.
Which banks in Spirit Lake are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 5 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Spirit Lake?
Bank Midwest and The State Bank have their main office in Spirit Lake, according to the FDIC.
What is the oldest bank in Spirit Lake?
Central Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1879.
Which credit unions can I join in Spirit Lake?
Citizens Community Credit Union has an office in Spirit Lake. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Spirit Lake in the past year?
FDIC branch records show 1 branch opening between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Spirit Lake?
Nearby cities with more banks include Okoboji, Milford, Lake Park. Okoboji is 3 miles away with 4 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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