Clear Lake Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Risk-weighted assets edged up by 1.8%, from $477.7M to $486.3M, the largest move among the key lines here. Clear Lake Bank and Trust Company ranks 96th of 114 Iowa banks on CET1 ratio, in the lower half at 11.28% (Q2 2026). Clear Lake Bank and Trust Company reported 11.28% on CET1 ratio for Q2 2026, 3.79 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.28% |
| Tier 1 risk-based capital ratio | 11.28% |
| Total risk-based capital ratio | 12.53% |
| Tier 1 leverage ratio | 8.53% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $54.9M |
| Tier 1 capital | $54.9M |
| Total risk-based capital | $60.9M |
| Total equity capital | $55.7M |
| Risk-weighted assets | $486.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.58% |
| Tangible equity to tangible assets | 8.37% |
| Equity capital to average assets | 8.64% |
| Internal capital growth rate | 4.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $8.8M |
| Retained earnings | $47.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$573K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.02% | 11.02% | 12.28% | 8.31% | $415.9M |
| Q4 2023 | 10.83% | 10.83% | 12.08% | 8.09% | $426.5M |
| Q1 2024 | 10.83% | 10.83% | 12.08% | 8.32% | $437.5M |
| Q2 2024 | 10.69% | 10.69% | 11.94% | 8.18% | $443.5M |
| Q3 2024 | 10.89% | 10.89% | 12.14% | 8.27% | $441.6M |
| Q4 2024 | 10.85% | 10.85% | 12.10% | 8.12% | $446.8M |
| Q1 2025 | 11.06% | 11.06% | 12.31% | 8.37% | $456.4M |
| Q2 2025 | 10.96% | 10.96% | 12.21% | 8.33% | $464.0M |
| Q3 2025 | 10.85% | 10.85% | 12.10% | 8.22% | $476.3M |
| Q4 2025 | 11.04% | 11.04% | 12.29% | 8.23% | $471.5M |
| Q1 2026 | 11.35% | 11.35% | 12.60% | 8.49% | $477.7M |
| Q2 2026 | 11.28% | 11.28% | 12.53% | 8.53% | $486.3M |
Clear Lake Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Lake Bank and Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Clear Lake Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15690) · FFIEC NIC profile (RSSD 865544)