C
Clear Lake Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
12.29
Leverage
Ratio
8.23
Return On
Assets
1.79%
Total
Assets
636.14M
Capital
53.37M
Total
Deposits
574.35M
Net
Income
11.08M
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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 1.60
Profitability Index 7.50
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 5.91%
5-Year Asset Growth 4.19%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.84%
Non-Performing Loans to Loans 0.05%
Balance Sheet Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Total Assets 636.14M
Total Deposits 574.35M
Capital and Reserves Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Capital 53.37M
Leverage Ratio 8.23
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 12.29
Liquidity Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Hot Money Ratio 21.75%
Liquidity Ratio 17.57%
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 11.08M
Net Interest Spread 3.88%
Operating Profit to Average Assets 1.86%
Overhead Efficiency Ratio 56.42%
Return on Assets 1.79%
Return on Equity 21.62%