CLEAR LAKE BANK AND TRUST COMPANY
CLEAR LAKE BANK AND TRUST COMPANY is an FDIC-insured commercial bank headquartered in CLEAR LAKE, IA, established in 1934. As of , 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 3.90%. CET1 capital ratio: 11.04%, well above regulatory minimums. NPL ratio: 0.05% · Texas Ratio: 1.11%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Clear Lake Bank and Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.04% | 1.68% | 0.05% | 1.11% | 3.90% |
| 2025-09-30 | 10.85% | 1.84% | 0.07% | 1.30% | 3.87% |
| 2025-06-30 | 10.96% | 1.91% | 0.13% | 1.05% | 3.93% |
| 2025-03-31 | 11.06% | 1.72% | 0.17% | 1.43% | 3.68% |
| 2024-12-31 | 10.85% | 1.43% | 0.16% | 1.33% | 3.46% |
| 2024-09-30 | 10.89% | 1.52% | 0.00% | 0.02% | 3.47% |
| 2024-06-30 | 10.69% | 1.49% | 0.07% | 0.60% | 3.38% |
| 2024-03-31 | 10.83% | 1.27% | 0.05% | 0.40% | 3.14% |
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Frequently asked about CLEAR LAKE BANK AND TRUST COMPANY
What are Clear Lake Bank and Trust Company's total assets?
As of the Q4 2025 filing, Clear Lake Bank and Trust Company reported total assets of $636.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Clear Lake Bank and Trust Company headquartered?
Clear Lake Bank and Trust Company is headquartered in CLEAR LAKE, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Clear Lake Bank and Trust Company founded?
Clear Lake Bank and Trust Company was established in 1934, per the FDIC institution directory.
Is Clear Lake Bank and Trust Company FDIC-insured?
Yes. Clear Lake Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #15690). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clear Lake Bank and Trust Company?
Clear Lake Bank and Trust Company's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Clear Lake Bank and Trust Company's CET1 capital ratio?
Clear Lake Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 11.04% in its most recent quarterly filing — above regulatory minimums.
How many branches does Clear Lake Bank and Trust Company operate?
Clear Lake Bank and Trust Company operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Clear Lake Bank and Trust Company's Texas Ratio?
Clear Lake Bank and Trust Company's Texas Ratio is 1.11% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.