Clear Lake Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.27 percentage points to 4.18%. Clear Lake Bank and Trust Company ranks 27th of 225 Iowa banks on net interest margin, in the upper half at 4.18% (Q2 2026). Clear Lake Bank and Trust Company reported 4.18% on net interest margin for Q2 2026, 0.23 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 6.34% |
| Yield on securities | 3.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 2.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.70% | 1.54% | 3.21% | 5.34% | 2.10% |
| Q4 2023 | 4.89% | 1.86% | 3.10% | 5.52% | 2.10% |
| Q1 2024 | 5.06% | 1.95% | 3.18% | 5.63% | 2.26% |
| Q2 2024 | 5.34% | 2.01% | 3.40% | 5.91% | 2.54% |
| Q3 2024 | 5.47% | 2.06% | 3.50% | 5.99% | 2.90% |
| Q4 2024 | 5.49% | 2.07% | 3.51% | 6.01% | 3.01% |
| Q1 2025 | 5.47% | 1.84% | 3.71% | 5.96% | 3.48% |
| Q2 2025 | 5.74% | 1.85% | 3.96% | 6.20% | 3.54% |
| Q3 2025 | 5.79% | 1.94% | 3.92% | 6.26% | 3.73% |
| Q4 2025 | 5.73% | 1.87% | 3.93% | 6.21% | 3.64% |
| Q1 2026 | 5.58% | 1.74% | 3.91% | 6.07% | 3.80% |
| Q2 2026 | 5.82% | 1.72% | 4.18% | 6.34% | 3.91% |
Clear Lake Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Lake Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)