Listed locations
4
Institution profile
Clear Lake Bank and Trust Company
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Clear Lake Bank and Trust Company
- Display name
- Clear Lake Bank and Trust Company
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- November 10, 1939
- Established date
- January 1, 1934
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Clear Lake, IA, 50428, United States
- FDIC certificate number
- 15690
- Federal Reserve RSSD ID
- 865544
- Domestic location count
- 5
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 15690
- Federal Reserve RSSD ID
- 865544
- Headquarters
- 322 Main Avenue, Clear Lake, IA, 50428, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 4 of 4 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| DRIVE-UP FACILITY | 21 North 4th Street | Clear Lake | IA | 50428 |
| 325 STATE STREET OFFICE | 325 State Street | Garner | IA | 50438 |
| 100 EAST STATE STREET BRANCH | 100 East State Street | Mason City | IA | 50401 |
| 425 TIFFANY DRIVE BRANCH | 425 Tiffany Drive | Mason City | IA | 50401 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- March 2, 2026
- Regulator
- Federal Reserve
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| March 2, 2026 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| November 7, 2022 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| October 21, 2019 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| August 24, 2015 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| July 25, 2011 | Satisfactory | Federal Reserve | Small Bank |
| July 9, 2007 | Satisfactory | Federal Reserve | Small Bank |
| April 15, 2002 | Outstanding | Federal Reserve | Small Bank |
| March 31, 1997 | Outstanding | Federal Reserve | Small Bank |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| February 1, 1992 | Failure - Government Assistance Provided | HOME FEDERAL SAVINGS AND LOAN ASSOCIATION, FEDERAL ASSOCIATION |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
1 FFIEC NIC relationship record
Showing 1 of 1 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| ROOT_INSTITUTION | CLEAR LAKE BANK AND TRUST COMPANY | State Member Bank | Clear Lake, IA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank