Clear Lake Bank and Trust Company

Overview / Commentary
322 Main
Clear Lake, IA 50428

Clear Lake Bank and Trust Company is headquartered in Clear Lake and is the 45th largest bank in the state of Iowa. It is also the 1,611th largest bank in the nation. It was established in 1934 and as of June of 2019, it had grown to 91 employees at 5 locations. Clear Lake Bank and Trust Company's savings rates are 3X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #15690
Year Established1934
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD16.27%
Annual Interest Income$9.3MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$442.5MM$403.5MM
LoansQ2 2019vs Q2 2018$343.3MM$311.9MM
DepositsQ2 2019vs Q2 2018$391.4MM$358.2MM
Equity CapitalQ2 2019vs Q2 2018$38.0MM$34.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$4.4MM$4.1MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$159.00K$22.00K
Real Estate OwnedQ2 2019vs Q2 2018$2.0MM$2.0MM
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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

1.65%*$250k*-Premium Savings Account with Relationship Raise
OTHER TIERS: 0.65% $10k - $50k | 1.15% $50k - $100k | 1.40% $100k - $250k
1.60%*$250k*-Premium Savings Account
OTHER TIERS: 0.60% $10k - $50k | 1.10% $50k - $100k | 1.35% $100k - $250k
0.15%$100-Basic Savings Account

Clear Lake Bank and Trust Company CD Rates

1.60%$1k-27 Month CD
1.55%$250-18 Month Add-On CD
1.50%$1k-12 Month CD
1.40%$1k-24 Month CD
1.40%$1k-36 Month CD
1.40%$1k-48 Month CD
1.40%$1k-60 Month CD
1.00%$1k-6 Month CD

Clear Lake Bank and Trust Company Locations
Clear Lake Bank and Trust Company322 MainClear Lake, IA 50428
Garner Branch325 State StreetGarner, IA 50438
Mason City Branch425 Tiffany DriveMason City, IA 50401
100 East State Street Branch100 East State StreetMason City, IA 50401
Drive-Up Facility21 North 4th StreetClear Lake, IA 50428

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