Clear Lake Bank and Trust Company

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.60%	5-year CD	3.00% - Discover Bank 5 Year CD
1.60%	1-year CD	2.65% - Discover Bank 12 Month CD
0.15%	Savings	2.20% - Barclays Online Savings Account

View all Clear Lake Bank and Trust Company rates »

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 45^th largest bank in the state of Iowa. It is also the 1,638^th largest bank in the nation. It was established in 1934 and as of December of 2018, it had grown to 89 employees at 5 locations. Clear Lake Bank and Trust Company's savings rates are 4X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	15690
Year Established	1934
Employees	89
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.69%
Return on Equity - YTD	19.74%
Annual Interest Income	$16.8MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$425.1MM$405.8MM
Loans	Q4 2018vs Q4 2017	$327.1MM$306.8MM
Deposits	Q4 2018vs Q4 2017	$379.0MM$363.3MM
Equity Capital	Q4 2018vs Q4 2017	$35.7MM$34.4MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$4.2MM$3.9MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$240.00K$242.00K
Real Estate Owned	Q4 2018vs Q4 2017	$2.0MM$2.0MM

Rates

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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
1.90%^*	$250k^*	-	Premium Savings Account with Relationship Raise
OTHER TIERS: 0.90% → $10k - $50k \| 1.40% → $50k - $100k \| 1.65% → $100k - $250k
1.85%^*	$250k^*	-	Premium Savings Account
OTHER TIERS: 0.85% → $10k - $50k \| 1.35% → $50k - $100k \| 1.60% → $100k - $250k
0.15%	$100	-	Basic Savings Account

Clear Lake Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.60%	$1k	-	60 Month CD
2.35%	$1k	-	27 Month CD
2.20%	$1k	-	48 Month CD
2.15%	$1k	-	36 Month CD
1.90%	$1k	-	24 Month CD
1.60%	$1k	-	12 Month CD
1.60%	$250	-	18 Month Add-On 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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