Clear Lake Bank and Trust Company
Clear Lake, IA
IDRSSD: 865544
Total Assets
$636.14M
Latest filing
Total Deposits
$574.35M
Latest filing
Net Interest Margin
3.91%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073904036CLEAR LAKE, IA
Key People
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Locations
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Main Office
Clear Lake Bank and Trust Company
322 Main Ave
Clear Lake, IA 50428
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 9959
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Clear Lake Bank and Trust Company (Main) | 322 Main Ave | Clear Lake, IA |
| 100 EAST STATE STREET BRANCH | 100 E State St | Mason City, IA |
| DRIVE-UP FACILITY | 21 North 4th Street | Clear Lake, IA |
| GARNER BRANCH | 325 State St | Garner, IA |
| MASON CITY BRANCH | 425 Tiffany Dr | Mason City, IA |
Showing 4 of 4
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 | 89 |
| 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 | 01/30/2026 |
| CERT | 15690 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $636.14M |
| Total Deposits | $574.35M |
| Total Liabilities | $582.77M |
| Total Equity Capital | $53.37M |
| Net Income | $2.68M |
| Net Loans and Leases | $476.76M |
| Assets Per Employee ($Millions) | $6.77M |
| Bank Premises and Fixed Assets | $9.11M |
| Cash and Balances due from Depository Institutions | $55.17M |
| Deposits Held in Domestic Offices | $574.35M |
Key Performance Ratios
| Return on Assets (ROA) | 1.68% |
| Return on Equity (ROE) | 20.18% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 57.47% |
| Tier 1 Risk-Based Capital Ratio | 11.036% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.389% |
| Earning Assets to total Assets | 94.51% |
Income and Expense
| Total Interest Income | $8.58M |
| Total Noninterest Income | $1.30M |
| Total Interest Expense | $2.71M |
| Total Noninterest Expense | $4.12M |
| Net Interest Income | $5.87M |
| Pre-tax Net Operating Income | $2.79M |
| Provision for Credit Losses | $265.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $423.00k |
| Other borrowed funds | $1.42M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.01M |
| Total Liabilities and Capital | $636.14M |
Securities
| Securities | $73.72M |
| Available-for-sale debt securities | $73.65M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$636.14M as of the latest filing.
How much are Clear Lake Bank and Trust Company's total deposits?
$574.35M in total deposits.
Where is Clear Lake Bank and Trust Company located?
Clear Lake, IA.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.68%.
How much are total loans and leases?
$476.76M (latest filing).
What is the total interest income (latest filing)?
$8.58M.