TellerScore

Clear Lake Bank and Trust Company is a state-chartered bank (fed member) headquartered in Clear Lake, Iowa, in business for about 92 years. At the end of Q2 2026 it reported $649.3M in total assets and $585.0M in deposits, with 5 offices.

Clear Lake Bank and Trust Company has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 91st. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (35/100, 8.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.53%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings98/100
Return on assets (annualized): 1.94%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 83.5% · 26.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.04%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (72 → 75), mostly because the earnings component improved by 5 points.

TellerScore
687275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202468
Q1 202571
Q2 202572
Q3 202572
Q4 202572
Q1 202673
Q2 202675
Tier 1 leverage ratio
5.00%6.76%8.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.18%
Q3 20248.27%
Q4 20248.12%
Q1 20258.37%
Q2 20258.33%
Q3 20258.22%
Q4 20258.23%
Q1 20268.49%
Q2 20268.53%
Noncurrent loans
0.00%0.09%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.02%
Q4 20240.16%
Q1 20250.17%
Q2 20250.13%
Q3 20250.07%
Q4 20250.10%
Q1 20260.02%
Q2 20260.00%
Return on assets
1.38%1.66%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20241.43%
Q4 20241.42%
Q1 20251.72%
Q2 20251.82%
Q3 20251.82%
Q4 20251.79%
Q1 20261.81%
Q2 20261.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$649.3M8.53%0.00%1.94%83.5%
Q1 202673$647.3M8.49%0.02%1.81%82.9%
Q4 202572$636.1M8.23%0.10%1.79%83.0%
Q3 202572$638.6M8.22%0.07%1.82%83.4%
Q2 202572$606.9M8.33%0.13%1.82%85.2%
Q1 202571$615.5M8.37%0.17%1.72%82.0%
Q4 202468$600.6M8.12%0.16%1.42%81.5%
Q3 202470$573.1M8.27%0.02%1.43%84.6%
Q2 202469$579.0M8.18%0.07%1.38%81.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.53%
6th
Total risk-based capital12.53%
54th
Problem loans0.00%
86th
Net charge-offs0.02%
39th
Return on assets1.94%
85th
Net interest margin4.03%
55th
Efficiency ratio53.7%
75th
Loans to deposits83.5%
42nd
Uninsured deposits26.2%
41st
Loan-loss reserves1.31%
64th
Texas ratio0.0%
88th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Midstates Bank, National AssociationBank Council Bluffs, IA79 out of 100, Strong$653.9M11.6%0.29%vs
Marion County State BankBank Pella, IA75 out of 100, Strong$628.6M10.4%0.27%vs
Liberty National BankBank Sioux City, IA71 out of 100, Strong$624.4M10.3%0.00%vs
First State BankBank Webster City, IA81 out of 100, Strong$674.3M12.4%0.12%vs
South Story Bank & TrustBank Slater, IA57 out of 100, Moderate$623.9M10.9%0.78%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs

Deposit insurance

Is my money safe at Clear Lake Bank and Trust Company?

Yes. Clear Lake Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15690). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($153.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.53%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.53% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Clear Lake Bank and Trust Company lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Clear Lake Bank and Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
15690
RSSD ID
865544
Primary regulator
FED
Holding company
Arneson Bancshares Inc
Established
January 1, 1934
Headquarters
322 Main Ave, Clear Lake, IA 50428
Employees
90

Quick answers

Clear Lake Bank and Trust Company: common questions

Is Clear Lake Bank and Trust Company FDIC insured?

Yes. Clear Lake Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15690). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Clear Lake Bank and Trust Company's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Clear Lake Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #15690 in the FDIC failed bank list.

How many branches does Clear Lake Bank and Trust Company have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Clear Lake

InstitutionScoreAssetsCapitalProblem loansCompare
United Bank and Trust CompanyBank Hampton, IA97 out of 100, Very strong$228.4M14.8%0.00%vs
Ace Credit UnionCredit union Mason City, IA89 out of 100, Very strong$7.5M20.9%0.12%vs
Citizens Community Credit UnionCredit union Fort Dodge, IA88 out of 100, Very strong$253.6M19.1%0.73%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
Iowa Heartland Credit UnionCredit union Mason City, IA77 out of 100, Strong$30.3M17.0%0.42%vs
Cent Credit UnionCredit union Mason City, IA77 out of 100, Strong$166.0M12.7%0.20%vs