BlastPoint's Banking Scorecard

Clear Lake Bank and Trust Company

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

Clear Lake, IA

5 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Clear Lake Bank and Trust Company shows strong momentum with 4 strengths and 5.2% 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 46.5% in tier
+ ROA 0.55% above tier average
+ Efficiency Ratio 10.28% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$647.3M +5.2% YoY +1.8% QoQ	+$261.2M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$483.8M +6.0% YoY +1.5% QoQ	+$228.1M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 12.7% in tier
Total Deposits ?	$583.5M +4.8% YoY +1.6% QoQ	+$255.5M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Top 13.6% in tier
Return on Assets ?	1.81% +5.5% YoY +1.5% QoQ	+0.55%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	3.90% +5.3% YoY +0.1% QoQ	-0.03%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	55.01% -3.9% YoY -2.5% QoQ	-10.28%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.02% -90.9% YoY -84.2% QoQ	-0.87%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 15.0% in tier
Loan-to-Deposit Ratio ?	82.91% +1.1% YoY -0.1% QoQ	+6.28%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	21.87% -5.5% YoY +0.4% QoQ	-0.15%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.08% -41.0% YoY -45.9% QoQ	-0.56%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	11.35% +2.6% YoY +2.8% QoQ	-4.48%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.18% -8.1% YoY -76.6% QoQ	-0.10%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#311 of 666 • Top 46.5% 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: 0.18%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.81%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

338

Total Loans

size

Value: $483.80M

Peer Median: $255.72M

#338 of 2664 Top 12.7% in $100M-$1B

362

Total Deposits

size

Value: $583.50M

Peer Median: $327.97M

#362 of 2664 Top 13.6% in $100M-$1B

399

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#399 of 2654 Top 15.0% in $100M-$1B

421

Total Assets

size

Value: $647.33M

Peer Median: $386.08M

#421 of 2664 Top 15.8% in $100M-$1B

468

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#468 of 2664 Top 17.5% in $100M-$1B

477

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.27%

#477 of 2664 Top 17.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available