FDIC Cert #15690 · Clear Lake, Iowa · Est. 1934

Clear Lake Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at Clear Lake Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$636M
Total assets
A
Health grade · Excellent
1.79%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

Clear Lake Bank and Trust Company earns a PlainBankData health grade of A (85/100), with well-capitalized at 11.04% Tier 1, profitable at 1.79% ROA, efficient (56% cost ratio).

#1,501
largest of 4,313 FDIC banks by assets
65th
percentile by asset size, nationally
11.04%
Tier 1 ratio - above the 10% well-capitalized line
85th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 15690 · IA A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1349/4307
  • PHOTO-FINISH Freedom Bank, Inc. · WV
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-CLEAN 0.8% Texas
  • ROA-STRONG 1.79% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Freedom Bank, Inc., WV (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Clear Lake Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Wolcott · IN · near85/100Clear Lake Bank and… · IA · …85/100First State Bank · TX · near85/100Freedom Bank, Inc. · WV · ne…85/100State Bank of De Kalb · TX ·…85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Clear Lake Bank and Trust Company · July 2026

What Clear Lake Bank and Trust Company's Call Report plate shows

Clear Lake Bank and Trust Company (FDIC Cert #15690) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,349 of 4,307. Tier 1 capital prints at 11.04%, clearing the 10% well-capitalized line. The Texas Ratio is 0.82%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.79%. Balance-sheet scale is $636M, 1,501st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Freedom Bank, Inc. (WV), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Clear Lake Bank and Trust Company

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

Clear Lake Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Clear Lake Bank and Trust Company remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How Clear Lake Bank and Trust Company's 85/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10085/100
Clear Lake Bank and Trust Company's composite health score
Tier 1 Capital Ratio (11.04%) 28/40
Return on Assets (ROA) (1.79%) 25/25
Texas Ratio (0.82%) 20/20
Efficiency Ratio (56.42%) 12/15

85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$636M

Total balance-sheet footings

Total Deposits

$574M

Customer-funded liabilities

Net Loans

$477M

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.64% 11.04% 12.44%
Basel III capital ratios - Clear Lake Bank and Trust Company

Where Clear Lake Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Clear Lake Bank and Trust Company's score of 85/100 falls in the highlighted band.

Clear Lake Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 31% higher than 69% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Clear Lake Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Clear Lake Bank and Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Clear Lake Bank and Trust Company's $636M falls in the highlighted band.

Safety ratios for Clear Lake Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

11.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.04%
Texas Ratio
0.82%
Equity Capital
$53M

What these ratios mean →

Earnings posture at Clear Lake Bank and Trust Company

Return on Assets (ROA)
85th percentile nationally
1.79%
Return on Equity (ROE)
21.67%
Efficiency Ratio
56.42%

What these mean →

Income & expense at Clear Lake Bank and Trust Company

$33M
Interest Income
$5M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Clear Lake Bank and Trust Company reports a Texas Ratio of 0.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Clear Lake Bank and Trust Company on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($636M here), outside Iowa so the neighborhood is not state containment.

Haverhill Bank $636M · MA Community First Bank $636M · WI FNBT BANK $635M · FL Henderson State Bank $635M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Clear Lake Bank and Trust Company (FDIC Cert #15690) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Clear Lake Bank and Trust Company Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%