Clear Lake Bank and Trust Company
Clear Lake, IA
IDRSSD: 865544
Total Assets
$638.60M
Latest filing
Total Deposits
$575.24M
Latest filing
Net Interest Margin
3.98%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50428 |
| State and County Number | 19033 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Mason City, IA |
Operational Info
| Number of Employees | 91 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 11/10/1939 |
| Primary Insurance Agency | DIF |
| Website | www.clearlakebank.bank |
| Data Updated | 11/14/2025 |
| CERT | 15690 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $638.60M |
| Total Deposits | $575.24M |
| Total Liabilities | $585.80M |
| Total Equity Capital | $52.80M |
| Net Income | $2.86M |
| Net Loans and Leases | $479.79M |
| Assets Per Employee ($Millions) | $7.18M |
| Bank Premises and Fixed Assets | $9.09M |
| Cash and Balances due from Depository Institutions | $50.48M |
| Deposits Held in Domestic Offices | $575.24M |
Key Performance Ratios
| Return on Assets (ROA) | 1.84% |
| Return on Equity (ROE) | 22.03% |
| Net Interest Margin | 3.98% |
| Efficiency Ratio | 55.76% |
| Tier 1 Risk-Based Capital Ratio | 10.85% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.268% |
| Earning Assets to total Assets | 94.14% |
Income and Expense
| Total Interest Income | $8.62M |
| Total Noninterest Income | $1.20M |
| Total Interest Expense | $2.80M |
| Total Noninterest Expense | $3.91M |
| Net Interest Income | $5.81M |
| Pre-tax Net Operating Income | $2.98M |
| Provision for Credit Losses | $120.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $423.00k |
| Other borrowed funds | $1.44M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.12M |
| Total Liabilities and Capital | $638.60M |
Securities
| Securities | $77.14M |
| Available-for-sale debt securities | $77.08M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Clear Lake Bank and Trust Company?
$638.60M as of the latest filing.
How much are Clear Lake Bank and Trust Company's total deposits?
$575.24M in total deposits.
Where is Clear Lake Bank and Trust Company located?
Clear Lake, IA.
What is the Net Interest Margin?
3.98%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.84%.
How much are total loans and leases?
$479.79M (latest filing).
What is the total interest income (latest filing)?
$8.62M.