Clear Lake Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Clear Lake Bank and Trust Company of Clear Lake, IA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.07% | 1.34% | +0.73% | 87th top |
| ROAE | 24.07% | 13.32% | +10.75% | 95th top |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 52.14% | 61.14% | -9.00% | 76th top |
| PPNR / Avg Assets | 2.26% | 1.68% | +0.58% | 82nd top |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 60th above |
| Cost of Funds | 1.72% | 1.88% | -0.16% | 55th above |
| Net Interest Spread | 3.62% | 3.32% | +0.30% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.94% | -0.83% | 72nd above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) | 1234.48% | 1546.33% | -311.85% | — |
| Texas Ratio | 0.86% | 7.34% | -6.48% | 74th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 694.00% | 1395.54% | -701.54% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.28% | 19.49% | -8.21% | 11th bottom |
| Tier 1 Ratio | 11.28% | 19.53% | -8.25% | 10th bottom |
| Total Capital Ratio | 12.53% | 20.61% | -8.08% | 12th bottom |
| Leverage Ratio | 8.53% | 12.14% | -3.61% | 7th bottom |
| Equity / Assets | 8.58% | 11.37% | -2.79% | 21st bottom |
| TCE / Tangible Assets | 8.37% | 11.09% | -2.72% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.62% | 80.66% | +3.96% | 41st below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.13% | 86.85% | +0.28% | 39th below |
| Wholesale Funding Ratio | 0.21% | 5.04% | -4.83% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.98% | 6.84% | +0.14% | 69th above |
| Loan Growth (Y/Y) | 4.87% | 7.92% | -3.05% | 47th below |
| Deposit Growth (Y/Y) | 6.86% | 6.29% | +0.57% | 70th above |
See Clear Lake Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Clear Lake Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Clear Lake Bank and Trust Company profile, how to read a UBPR, or how this data updates.