Clear Lake Bank and Trust Company

Overview / Commentary

www.clearlakebank.bank

641-357-7121

322 Main
Clear Lake, IA 50428

Clear Lake Bank and Trust Company is headquartered in Clear Lake and is the 48^th largest bank in the state of Iowa. It is also the 1,671^st largest bank in the nation. It was established in 1934 and as of September of 2019, it had grown to 94 employees at 5 locations. Clear Lake Bank and Trust Company's savings rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	15690
Year Established	1934
Employees	94
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.52%
Return on Equity - YTD	17.55%
Annual Interest Income	$14.1MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$427.5MM$404.8MM
Loans	Q3 2019vs Q3 2018	$337.1MM$320.6MM
Deposits	Q3 2019vs Q3 2018	$375.4MM$359.4MM
Equity Capital	Q3 2019vs Q3 2018	$38.9MM$35.0MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$4.5MM$4.1MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$109.00K$704.00K
Real Estate Owned	Q3 2019vs Q3 2018	$2.1MM$2.0MM

Rates

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Savings
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Clear Lake Bank and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$250k^*	-	Premium Savings Account with Relationship Raise
OTHER TIERS: 0.25% → $10k - $50k \| 0.60% → $50k - $100k \| 0.90% → $100k - $250k
1.05%^*	$250k^*	-	Premium Savings Account
OTHER TIERS: 0.20% → $10k - $50k \| 0.55% → $50k - $100k \| 0.85% → $100k - $250k
0.15%	$100	-	Basic Savings Account

Clear Lake Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$1k	-	60 Month CD
1.65%	$1k	-	48 Month CD
1.55%	$1k	-	36 Month CD
1.50%	$1k	-	27 Month CD
1.30%	$1k	-	18 Month CD
1.30%	$1k	-	24 Month CD
1.25%	$1k	-	12 Month CD
1.00%	$1k	-	6 Month CD

Locations

Clear Lake Bank and Trust Company Locations
Clear Lake Bank and Trust Company	322 Main	Clear Lake, IA 50428
Garner Branch	325 State Street	Garner, IA 50438
Mason City Branch	425 Tiffany Drive	Mason City, IA 50401
100 East State Street Branch	100 East State Street	Mason City, IA 50401
Drive-Up Facility	21 North 4th Street	Clear Lake, IA 50428

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