CLEAR LAKE BANK AND TRUST COMPANY

CLEAR LAKE, IA | Medium | Est. Jan. 1, 1934, midnight | FDIC #15690 | RSSD #865544 | FED
Latest Report: 2025-12-31

CLEAR LAKE BANK AND TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in CLEAR LAKE, IA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $636M and total deposits of $574M. Profitability stands at 1.68% ROA and 20.18% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 11.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 1.11%. FDIC Certificate #15690.

Assets

$636M

Deposits

$574M

Loans

$483M

Equity

$53M

Profitability

Return on Assets (ROA) 1.68%
Return on Equity (ROE) 20.18%
Net Interest Margin (NIM) 4.00%
Yield on Assets 5.85%
Cost of Funds 1.88%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.06%
Texas Ratio 1.11%
NPA Ratio 0.10%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 11.04%
Tier 1 Capital 11.04%
Total Capital Ratio 12.29%
Leverage Ratio 8.23%
Loan-to-Deposit 84.09%

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