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Clear Lake Bank and Trust Company

$100M-$1B Specialty: Commercial IA FDIC cert 15690

Clear Lake, IA

5 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +6.9% year over year ($585.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.94%.
  • Efficiency ratio 53.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.51% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Clear Lake Bank and Trust Company shows strong momentum with 4 strengths and 7.0% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 44.8% in tier
  • + ROA 0.62% above tier average
  • + Efficiency Ratio 10.73% below tier average
  • + Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Clear Lake Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $649.3M
+7.0% YoY +0.3% QoQ
+$262.8M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $488.5M
+4.8% YoY +1.0% QoQ
+$230.2M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 12.6% in tier
Total Deposits ? $585.0M
+6.9% YoY +0.3% QoQ
+$258.2M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Top 13.2% in tier
Return on Assets ? 1.94%
+6.3% YoY +6.9% QoQ
+0.62% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 14.7% in tier
Net Interest Margin ? 4.03%
+4.4% YoY +3.4% QoQ
+0.04% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 53.75%
-4.4% YoY -2.3% QoQ
-10.73% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
75%
Delinquency Rate ? 0.00%
-96.2% YoY -69.5% QoQ
-0.91% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Top 13.2% in tier
Loan-to-Deposit Ratio ? 83.51%
-1.9% YoY +0.7% QoQ
+5.56% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 21.71%
-0.5% YoY -0.8% QoQ
-0.32% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.00%
-96.2% YoY -95.2% QoQ
-0.67% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Top 12.0% in tier
Tier 1 Capital Ratio ? 11.28%
+2.9% YoY -0.6% QoQ
-4.63% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.38%
-6.0% YoY +108.8% QoQ
-0.18% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
83%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 21.7%
-0.1pp YoY
-0.2pp QoQ
 -0.4pp 22.1% 17.8% 22.2% 53%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 9.8%
-2.4pp YoY
-1.1pp QoQ
 -1.8pp 11.6% 12.8% 12.5% 51%
CRE 49.0%
+3.6pp YoY
+1.1pp QoQ
 +9.4pp 39.5% 28.3% 41.4% 68%
1-4 Family 26.9%
-0.8pp YoY
-0.5pp QoQ
 -5.7pp 32.6% 23.0% 31.3% 44%
Consumer 2.8%
-0.6pp YoY
0.0pp QoQ
 -1.3pp 4.1% 2.9% 5.0% 57%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 11.3%
+0.3pp YoY
-0.1pp QoQ
 -7.5pp 18.8% 15.4% 19.7% 10%
Leverage Ratio 8.5%
+0.2pp YoY
0.0pp QoQ
 -3.6pp 12.2% 12.4% 12.6% 6%
Total Capital Ratio 12.5%
+0.3pp YoY
-0.1pp QoQ
 -7.4pp 19.9% 16.5% 20.8% 11%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 90
-1 (-1.1%) YoY
+2 (+2.3%) QoQ
 +31 58 64 482 82%
Assets per Employee ($) $7.2M
+8.2% YoY
-1.9% QoQ
 -$303K $7.5M $8.9M $8.8M 56%
Branch Count 5
0 YoY
0 QoQ
 0 4 5 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 2%
Allowance Coverage 270.04x
+2643.3% YoY
+233.2% QoQ
 +245.89x 24.15x 18.97x 20.23x 98%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 22.8%
+0.6pp YoY
+1.4pp QoQ
 +10.6pp 12.2% 12.8% 11.6% 94%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 48%
Net Income ($, YTD) $6.2M
+12.7% YoY
— QoQ
 +$3.7M $2.6M $4.0M $40.4M 93%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#297 of 661 • Top 44.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.38%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.94%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

319
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#319 of 2643 Top 12.0% in $100M-$1B
333
Total Loans
size
Value: $488.53M
Peer Median: $258.35M
#333 of 2643 Top 12.6% in $100M-$1B
348
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#348 of 2633 Top 13.2% in $100M-$1B
350
Total Deposits
size
Value: $584.97M
Peer Median: $326.73M
#350 of 2643 Top 13.2% in $100M-$1B
390
Return on Assets
profitability
Value: 1.94%
Peer Median: 1.32%
#390 of 2643 Top 14.7% in $100M-$1B
417
Total Assets
size
Value: $649.33M
Peer Median: $386.57M
#417 of 2643 Top 15.7% in $100M-$1B
441
Non-Interest Income / Assets
revenue_mix
Value: 0.38%
Peer Median: 0.57%
#441 of 2643 Top 16.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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