Clear Lake Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 12.24 percentage points in Q2 2026, from 258.60% to 270.85%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Clear Lake Bank and Trust Company is 100th of 225 on loan-to-deposit ratio, 84.62% as of Q2 2026, above the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $495.0M |
| Net loans and leases | $488.5M |
| Loans held for sale | $0 |
| Loans to total assets | 76.23% |
| Loan-to-deposit ratio | 84.62% |
| Net loans to equity capital | 8.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.58% |
| Multifamily (5+ residential) | 2.21% |
| Commercial and industrial | 9.63% |
| Consumer | 2.75% |
| Credit cards | 0.00% |
| Farm | 7.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.79% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.85% |
| Construction concentration (Tier 1 capital + allowance) | 84.97% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.34% |
| Interest income on loans | $7.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $405.4M | $501.0M | 39.47% | 14.98% | 4.35% |
| Q4 2023 | $419.6M | $525.3M | 37.94% | 14.67% | 4.11% |
| Q1 2024 | $431.0M | $518.3M | 37.21% | 15.02% | 3.90% |
| Q2 2024 | $434.8M | $524.9M | 35.98% | 14.35% | 3.88% |
| Q3 2024 | $442.6M | $515.9M | 33.87% | 13.62% | 3.77% |
| Q4 2024 | $449.5M | $544.5M | 33.01% | 13.60% | 3.62% |
| Q1 2025 | $462.4M | $556.5M | 34.01% | 12.65% | 3.50% |
| Q2 2025 | $472.0M | $547.4M | 33.65% | 12.03% | 3.33% |
| Q3 2025 | $485.7M | $575.2M | 33.31% | 11.95% | 3.12% |
| Q4 2025 | $482.9M | $574.3M | 33.62% | 11.80% | 2.98% |
| Q1 2026 | $490.1M | $583.5M | 34.37% | 10.74% | 2.74% |
| Q2 2026 | $495.0M | $585.0M | 35.58% | 9.63% | 2.75% |
Clear Lake Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Lake Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)