C
Clear Lake Bank and Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
12.53
Leverage
Ratio
8.53
Return On
Assets
1.95%
Total
Assets
649.33M
Capital
55.72M
Total
Deposits
584.97M
Net
Income
6.25M
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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 8.30
Capitalization Index 6.50
Liquidity Index 1.50
Profitability Index 7.70
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 6.98%
5-Year Asset Growth 4.19%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.45%
Non-Performing Loans to Loans 0.11%
Balance Sheet Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Total Assets 649.33M
Total Deposits 584.97M
Capital and Reserves Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Capital 55.72M
Leverage Ratio 8.53
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio 12.53
Liquidity Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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Hot Money Ratio 21.62%
Liquidity Ratio 18.01%
Profitability Clear Lake Bank and Trust Company
Clear Lake, IA 		Click to
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5-Year Return on Average Assets 1.56%
Net Income 6.25M
Net Interest Spread 4.05%
Operating Profit to Average Assets 2.02%
Overhead Efficiency Ratio 53.75%
Return on Assets 1.95%
Return on Equity 22.78%