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Clear Lake Bank and Trust Company

Clear Lake, IA · Cert 15690 · Arneson Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$649.3MAssets
$495.0MLoans
$585.0MDeposits
$55.7MEquity
Loan mix
86%RE $398.4M11%C&I $52.6M3%Consumer $13.5MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $458.0M22%Noninterest $127.0MQ2 2025Q2 2026

NIM

4.85%Q2 ’245.26%Q2 ’255.38%Q2 ’26+17%+6%

Non-interest income vs. expense

2.40%Q2 ’242.47%Q2 ’252.46%Q2 ’26+5%+2%

Executive Summary

  • Earnings: ROA of 1.58%, up 9 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.53%, up 20 bps from a year ago.
  • Funding: loans stand at 84.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+22 bps YoY

Efficiency Ratio (YTD, annualized)

53.75%-246 bps YoY

Tier 1 Leverage Ratio

8.53%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.49%1.47%1.48%1.58%+9 bps
Return on Equity18.22%18.13%17.81%17.52%18.61%+38 bps
Net Interest Margin3.60%3.56%3.59%3.70%3.82%+22 bps
Efficiency Ratio56.21%56.06%56.42%55.01%53.75%-246 bps
Non-Interest Burden1.67%1.65%1.68%1.70%1.69%+3 bps
Growth
Asset Growth (YoY)4.83%11.43%5.91%5.16%6.98%+215 bps
Loan Growth (YoY)8.56%9.76%7.45%6.00%4.87%-369 bps
Deposit Growth (YoY)4.30%11.50%5.48%4.84%6.86%+256 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.07%0.10%0.02%0.00%-12 bps
Net Charge-Offs / Loans0.07%0.05%0.06%0.02%0.02%-5 bps
Allowance / Loans1.24%1.23%1.28%1.29%1.31%+7 bps
Allowance Coverage of NPLs9.8x17.6x12.7x81.0x270.0x+260.2x
Capital
Tier 1 Leverage Ratio8.33%8.22%8.23%8.49%8.53%+20 bps
Total Risk-Based Capital12.21%12.10%12.29%12.60%12.53%+32 bps
Equity / Assets8.40%8.27%8.39%8.52%8.58%+18 bps
Liquidity & Funding
Loans / Deposits86.23%84.44%84.09%84.00%84.62%-161 bps
Liquid Assets / Assets3.21%6.93%7.97%7.08%6.17%+296 bps
CRE / Total Capitaln/a424%425%427%n/an/a