Clear Lake Bank and Trust Company
Clear Lake, IA · Cert 15690 · Peer group: banks under $1B in assets in IA (n=134-135) · Arneson Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$649.3MAssets
$495.0MLoans
$585.0MDeposits
$55.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks under $1B in assets in IA (rank 7 of 135).
- Widest gap: equity / assets trails 90% of banks under $1B in assets in IA (rank 121 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.57%
Rank 27 of 135
Net Interest Margin
3.82%
Rank 29 of 135
Efficiency Ratio
53.75%
Rank 53 of 135
Equity / Assets
8.58%
Rank 121 of 135
Non-interest income vs. expense
Unfavorable gap of $10.9M · efficiency ratio beats 61% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.57% | 0.92% | 1.19% | 1.47% | Beats 80% | 27 / 135 | |
| Return on Equity | 18.28% | 7.99% | 10.26% | 13.14% | Beats 95% | 7 / 135 | |
| Net Interest Margin | 3.82% | 2.95% | 3.41% | 3.73% | Beats 79% | 29 / 135 | |
| Efficiency Ratio | 53.75% | 50.61% | 57.35% | 63.29% | Beats 61% | 53 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 81% | 26 / 134 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 37% | 86 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 11.28% | 11.23% | 13.31% | 15.45% | Beats 26% | 100 / 135 | |
| Total Risk-Based Capital Ratio | 12.53% | 11.61% | 14.06% | 16.47% | Beats 34% | 89 / 135 | |
| Equity / Assets | 8.58% | 9.87% | 11.05% | 13.07% | Beats 10% | 121 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 84.62% | 68.54% | 81.55% | 91.24% | 58th pctl | 56 / 134 | |
| Loans / Assets | 76.23% | 57.61% | 68.06% | 76.23% | 75th pctl | 34 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |