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Clear Lake Bank And Trust Company
Clear Lake, IA · FDIC Certificate #15690 · Chartered 01/0
Total assets
$649.33M
Total deposits
$584.97M
Total equity
$55.72M
Net loans
$488.53M
Branches (offices)
5
Net income (YTD)
$6.25M
Rank: #1,458 of 4,213 U.S. banks by assets · #42 of 225 in Iowa. Assets changed 7.0% and deposits 6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 22.82% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 8.58% |
| Tier 1 leverage ratio | 8.53% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 83.5% |
| Real estate loans (share of loans) | 83.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $409.48M | 83.8% | |
| Commercial & industrial | $47.65M | 9.8% | |
| Consumer / individual | $13.62M | 2.8% | |
| Construction & development | $52.12M | 10.7% | |
| Agricultural | $16.25M | 3.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $553.10M | $502.11M | $3.93M | $39.62M |
| Jun 2023 | $554.12M | $503.92M | $3.96M | $41.30M |
| Jun 2024 | $578.96M | $524.85M | $3.97M | $45.89M |
| Jun 2025 | $606.95M | $547.43M | $5.54M | $50.97M |
| Jun 2026 | $649.33M | $584.97M | $6.25M | $55.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $584.97M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $584.97M.
Similar-sized banks
First Eagle Bank ($649.62M) · Community Bank & Trust, Waco, Texas ($649.07M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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