Clear Lake Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 13.0% lower than in Q1 2026, at $44.2M. Clear Lake Bank and Trust Company ranks 100th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 84.62% (Q2 2026). Clear Lake Bank and Trust Company reported 84.62% on loan-to-deposit ratio for Q2 2026, 3.78 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.21% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.62% |
| Net loans and leases to deposits | 83.51% |
| Loans and leases to core deposits | 97.12% |
| Core deposits to total deposits | 87.13% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 80.93% | 94.75% | $0 | $1.9M |
| Q4 2023 | 79.89% | 93.40% | $0 | $1.7M |
| Q1 2024 | 83.15% | 91.43% | $0 | $1.6M |
| Q2 2024 | 82.85% | 91.22% | $0 | $1.6M |
| Q3 2024 | 85.78% | 90.66% | $0 | $1.5M |
| Q4 2024 | 82.55% | 88.92% | $0 | $1.5M |
| Q1 2025 | 83.08% | 89.95% | $0 | $1.5M |
| Q2 2025 | 86.23% | 88.47% | $0 | $1.5M |
| Q3 2025 | 84.44% | 86.75% | $0 | $1.4M |
| Q4 2025 | 84.09% | 86.36% | $0 | $1.4M |
| Q1 2026 | 84.00% | 86.47% | $0 | $1.4M |
| Q2 2026 | 84.62% | 87.13% | $0 | $1.4M |
Clear Lake Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Lake Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)