BlastPoint's Banking Scorecard
Clear Lake Bank and Trust Company
Community
Specialty: Commercial
IA
FDIC cert 15690
Clear Lake, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Clear Lake Bank and Trust Company shows strong momentum with 2 strengths and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 35% in Community
- + Credit Quality Leader: Top 44% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$636.1M
+5.9% YoY
-0.4% QoQ
|
-$755.3M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$476.8M
+7.5% YoY
-0.6% QoQ
|
-$498.7M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$574.3M
+5.5% YoY
-0.2% QoQ
|
-$590.3M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.79%
+25.7% YoY
-1.7% QoQ
|
+0.62% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.90%
+13.0% YoY
+0.4% QoQ
|
+0.23% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
56.42%
-9.5% YoY
+0.7% QoQ
|
-6.21% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.10%
-36.8% YoY
+45.0% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
83.01%
+1.9% YoY
-0.5% QoQ
|
-0.05% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
21.78%
-0.3% YoY
-4.7% QoQ
|
+0.73% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.14%
+19.8% YoY
+20.0% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.04%
+1.7% YoY
+1.7% QoQ
|
+0.79% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.78%
-2.5% YoY
+35.9% QoQ
|
+0.04% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#129 of 371 · Top 35% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.79%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Credit Quality Leader
growth
#162 of 371 · Top 44% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
69
69th pctile
Efficiency Ratio
Current: 56.42% · Tier avg: 62.63%
65
65th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.66%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.78% · Tier avg: 21.05%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.01% · Tier avg: 83.06%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.04% · Tier avg: 10.24%
27
27th pctile
Total Loans
Current: $476.8M · Tier avg: $975.5M
25
25th pctile
Total Deposits
Current: $574.3M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $636.1M · Tier avg: $1.4B
Top Weaknesses
19
19th pctile
Total Assets
Current: $636.1M · Tier avg: $1.4B
25
25th pctile
Total Deposits
Current: $574.3M · Tier avg: $1.2B
27
27th pctile
Total Loans
Current: $476.8M · Tier avg: $975.5M
37
37th pctile
Tier 1 Capital Ratio
Current: 11.04% · Tier avg: 10.24%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.01% · Tier avg: 83.06%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.78% · Tier avg: 21.05%
65
65th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.66%
69
69th pctile
Efficiency Ratio
Current: 56.42% · Tier avg: 62.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%