$490M
+6.0%y/y
Percentile by value77th percentileby value
FDIC
LNLSGRCL
Clear Lake Bank and Trust Company
Clear Lake, IowaFDIC Cert #15690
STATEEstablished 19345 branches
Holding company: ARNESON BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $74.8M |
| Investor CRE | $93.6M |
| Multifamily | $9.89M |
| Construction | $53M |
| 1–4 family | $133M |
| C&I | $52.6M |
| Agriculture | $51.7M |
| Other | $21.8M |
Loan book
Reported balances and balance-sheet intensity.
$484M
+6.0%y/y
Percentile by value77th percentileby value
FDIC
LNLSNET+6.00%
−17.9%y/y
Percentile by value51st percentileby value
FDIC
LNLSNET82.9%
+1.1%y/y
Percentile by value55th percentileby value
FDIC
LNLSNET + DEP74.7%
+0.8%y/y
Percentile by value67th percentileby value
FDIC
LNLSNET + ASSET83.92%
+4.1%y/y
Percentile by value45th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
260%
−2.8%y/y
Percentile by value80th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC88%
+17.3%y/y
Percentile by value87th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,636points
+1.3%y/y
Peer standing85th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD15.26%
+19.4%y/y
Percentile by value65th percentileby value
FDIC
LNRENROW + LNLSGR19.11%
−10.0%y/y
Percentile by value68th percentileby value
FDIC
LNRENROT + LNLSGR10.74%
−15.1%y/y
Percentile by value59th percentileby value
FDIC
LNCI + LNLSGR