C
Clear Lake Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
12.10
Leverage
Ratio
8.22
Return On
Assets
1.82%
Total
Assets
638.60M
Capital
52.80M
Total
Deposits
575.24M
Net
Income
8.40M
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Weiss Ratings Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Rating C
Asset Quality Index 8.10
Capitalization Index 6.20
Liquidity Index 1.50
Profitability Index 7.80
Stability Index 5.00
Company Info Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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FDIC Number 15690
Phone Number (641) 357-7121
Website www.clearlakebank.bank
Asset Quality Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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1-Year Asset Growth 11.43%
5-Year Asset Growth 6.58%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 0.59%
Non-Performing Loans to Loans 0.07%
Balance Sheet Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Total Assets 638.60M
Total Deposits 575.24M
Capital and Reserves Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Capital 52.80M
Leverage Ratio 8.22
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 12.10
Liquidity Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Hot Money Ratio 21.72%
Liquidity Ratio 19.03%
Profitability Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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5-Year Return on Average Assets 1.46%
Net Income 8.40M
Net Interest Spread 3.87%
Operating Profit to Average Assets 1.90%
Overhead Efficiency Ratio 56.06%
Return on Assets 1.82%
Return on Equity 22.12%