Clear Lake Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 688.15 percentage points in Q2 2026, from 546.33% to 1234.48%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Clear Lake Bank and Trust Company is 29th of 225 on return on assets, 2.07% as of Q2 2026, above the middle of the field. Clear Lake Bank and Trust Company's return on assets of 2.07% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.82 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.28% |
| Tier 1 risk-based capital ratio | 11.28% |
| Total risk-based capital ratio | 12.53% |
| Tier 1 leverage ratio | 8.53% |
| Equity capital to assets | 8.58% |
| Tangible equity to tangible assets | 8.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.86% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 1234.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.07% |
| Return on equity | 24.07% |
| Net interest margin | 4.18% |
| Efficiency ratio | 52.14% |
| Yield on earning assets | 5.82% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.62% |
| Core deposits to total deposits | 87.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.09% |
| Securities to assets | 13.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.02% | 11.02% | 12.28% | 8.31% | 1.52% |
| Q4 2023 | 10.83% | 10.83% | 12.08% | 8.09% | 1.46% |
| Q1 2024 | 10.83% | 10.83% | 12.08% | 8.32% | 1.28% |
| Q2 2024 | 10.69% | 10.69% | 11.94% | 8.18% | 1.48% |
| Q3 2024 | 10.89% | 10.89% | 12.14% | 8.27% | 1.50% |
| Q4 2024 | 10.85% | 10.85% | 12.10% | 8.12% | 1.40% |
| Q1 2025 | 11.06% | 11.06% | 12.31% | 8.37% | 1.73% |
| Q2 2025 | 10.96% | 10.96% | 12.21% | 8.33% | 1.91% |
| Q3 2025 | 10.85% | 10.85% | 12.10% | 8.22% | 1.81% |
| Q4 2025 | 11.04% | 11.04% | 12.29% | 8.23% | 1.69% |
| Q1 2026 | 11.35% | 11.35% | 12.60% | 8.49% | 1.82% |
| Q2 2026 | 11.28% | 11.28% | 12.53% | 8.53% | 2.07% |
Clear Lake Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Lake Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)