Online Personal, Corporate & Small Business Banking Solutions & Checking Accounts, Home & Personal Loans Mason City, Clear Lake & Garner IA

Enroll today for FREE Identity Theft Protection from Mastercard!

Pay all of your bills online or on our mobile app!

Contactless Debit Cards are Here!

Show your school spirit with our contactless debit cards! School spirit cards allow you to support your team on and off the field!

More Information

Enroll today for FREE Identity Theft Protection from Mastercard!

Debit Card Details

Pay all of your bills online or on our mobile app!

More Information

Contactless Debit Cards are Here!

Show your school spirit with our contactless debit cards! School spirit cards allow you to support your team on and off the field!

More Information

Enroll today for FREE Identity Theft Protection from Mastercard!

Debit Card Details

How can we help you today?

Current Customer Not yet a customer

Clear Lake Bank & Trust mobile app screen on phone against yellow wall.

Download our App

Visit our Mobile Banking page for the iOS and Android App links.

Bank Anywhere.

Do virtually all of your banking from your mobile device.

View account balances and history
Transfer funds between accounts or pay friends
Access bill pay or schedule bill payments
Deposit checks from your phone

More Information

Online

In-Person

Clear Lake Bank & Trust – Reliable Banking in Iowa

At Clear Lake Bank & Trust, we provide home loans, business loans, and business banking solutions tailored to your needs. Whether you need corporate banking services, small business checking accounts, or personal checking accounts, we provide secure, community-focused banking.

Looking for quick personal loans online? Enjoy fast approvals and an easy application process. Our secure online banking services and online banking solutions for businesses make managing finances simple and efficient. Serving Clear Lake, Mason City, and Garner, IA, we’re your trusted financial partner.
Contact us today or explore our online services for seamless banking.

We've made banking easy for you!

Don't let banking be stressful! Let us help you complete all of your banking needs in just a few clicks.

Open a Checking or Savings Account

Whether you're looking for easy access to your money or a safe place to grow your savings, CLB&T has the perfect account for you. Open an account today and start managing your finances with confidence!

Open an Account

Open a CD

A CD with CLB&T offers competitive interest rates to help you grow your savings with peace of mind. With guaranteed returns, it's a smart,
low-risk way to invest in your goals!

Open a CD

Apply for a Loan

At CLB&T with offer flexible loan options with competitive rates and personalized service. Whether you're planning a big purchase, looking to grow your business, consolidating debt, or funding a life event, we're here to help. Our easy application process and expert guidance make getting a loan simple and stress-free.

Get a Personal Loan

Get a Home Loan

Get a Business Loan

Open a Credit Card

Unlock the benefits of smart spending with a CLB&T credit card. Enjoy convenient spending, build your credit, and access exclusive perks and offers, along with added security monitoring.

Apply for a Credit Card

Apply for a Home Loan

Turn your dream home into a reality with a home loan from CLB&T. We offer competitive rates, flexible terms, and personalized support to guide you through every step of the process. Start your journey toward homeownership with CLB&T today.

Get a Home Loan

Meet Our Officers and Directors

Get to know our dedicated officers and directors, the driving force behind our vision and success. Each member of our team brings a wealth of experience and passion, committed to guiding us toward excellence.

Get to Know Us

We can't wait to see you!

Stop by and see us for help with all of your financial needs.

Small Business:

Discover how Clear Lake Bank & Trust's small business products can help your business grow, with flexible loans, business accounts, and personalized support every step of the way!

Start My Small Business

Agriculture:

Clear Lake Bank & Trust offers flexible ag loans to help you grow your farm operation. Learn more about our financing options.

Ag Loan Products

Insurance:

Explore CLB&T Insurance Agency products, offering personalized coverage for your home, business, auto, and more! Learn how we can protect what matters to you most.

CLB&T Insurance Agency

Deposit Accounts:

At Clear Lake Bank & Trust we offer a variety of deposit accounts tailored to meet your needs. From checking to savings, find the perfect solution for managing your money!

Open an Account

Mortgages:

Clear Lake Bank & Trust offers flexible mortgage options to help you buy, build, or refinance your home! Let us guide you through our personalized home loan solutions.

Mortgage Loan Products

Consumer Loans:

Clear Lake Bank & Trust offers a range of consumer loans, from auto financing to personal loans, with terms that fit your budget. Connect with a lender today!

Get a Loan

Are you looking for...

Mobile App Download

Business Loans

Business Checking

Health Savings Account

Agriculture Loans

Credit Cards

Trust & Wealth Services

Switch to CLB&T

In the community...

#CLBTcares: Giving back to our communities

CLB&T Educates Local Students About Currency

CLB&T Volunteers at Iowa Girls Wrestling Super Regional Tournament

CLB&T Honors Teachers During Teacher Appreciation Week!

CLB&T Supports Central Springs FFA Program

CLB&T a Top 5 Giver in United Way of North Central Iowa Annual Campaign

CLB&T Educates Students About Benefits of Saving Early

CLB&T Educates Local Students About Currency

CLB&T Volunteers at Iowa Girls Wrestling Super Regional Tournament

CLB&T Honors Teachers During Teacher Appreciation Week!

CLB&T Supports Central Springs FFA Program

CLB&T a Top 5 Giver in United Way of North Central Iowa Annual Campaign

CLB&T Educates Students About Benefits of Saving Early

CLB&T Educates Local Students About Currency

CLB&T Volunteers at Iowa Girls Wrestling Super Regional Tournament

We really like it here...

But don't just take our word for it.

View More Testimonials

Anne & I grew up in Clear Lake and CLB&T was the trusted bank for both of our families. So, it seemed really comfortable that when it came time for us to buy a home, start a business, begin our investment portfolio, and create our Estate Plan that we would work with CLB&T too. We have trusted the people at CLB&T to help us make smart financial decisions in all of these areas and over the years, have been very impressed with their advice and happy with the results. For anyone looking for a trusted banking & financial partner, we would highly recommend taking a look at CLB&T. I think they’ll like what they see!

Bob L.

My father is a wise man. He chose Clear Lake Bank and Trust many years ago and when it came time for me to pick a bank for my business and home loan, I knew who I could trust. They got to know me and gave me that same trust they had with my father. Everyone I’ve came across in residential, commercial, and insurance have gone above and beyond when I needed expert advice.

Start your own journey with Clear Lake Bank and Trust, you won’t be disappointed.

Catarino M

I have three children and a busy schedule, so a simple and easy process was very important to me. They made my home-buying journey a breeze and went above my expectations.

This is just one reason why I'm a repeat customer with Clear Lake Bank & Trust.

Kativa W.

Ollenburg Motors has been doing business with Clear Lake Bank and Trust since July of 1993. During these 30 years I have been able to rely on their knowledge and experience to navigate through a variety of economic environments. CLB&T has truly partnered with our family-owned business and takes an active role in supporting our success. Having a bank that understands your business and looks for ways to help is just one reason I continue to choose CLB&T!

Dan O.

As a young entrepreneur, having a reliable banking partner is crucial to the success and growth of my businesses. I have been banking with CLB&T for three years, and I couldn’t be more satisfied with their services. From seamless online banking to a dedicated business specialist who understands my business needs, CLB&T has consistently exceeded my expectations. They provide tailored financial solutions to help me navigate challenges and seize opportunities effectively. I highly recommend CLB&T to fellow entrepreneurs looking for a bank that truly understands and supports their business.

Collin S.

Partnering with Clear Lake Bank & Trust gave me my first opportunity to get started in production agriculture. They allowed me to purchase my first hog finishing facility. A few years later, I was looking to expand my operation and with the help of CLB&T I was able to build a brand-new hog finishing facility to add to my current operation. They provide the resources needed for a young farmer to get started. CLB&T was able to work with some beginning farmer loan programs to make this possible. As a young farmer, I would recommend other young farmers wanting to start in agriculture to reach out to CLB&T. CLB&T has been a great partner to work with, and I look forward to working with them in the future.

The Stromer Family

Bob L.

Start your own journey with Clear Lake Bank and Trust, you won’t be disappointed.

Catarino M

I have three children and a busy schedule, so a simple and easy process was very important to me. They made my home-buying journey a breeze and went above my expectations.

This is just one reason why I'm a repeat customer with Clear Lake Bank & Trust.

Kativa W.

Dan O.

Collin S.

The Stromer Family

Bob L.

Start your own journey with Clear Lake Bank and Trust, you won’t be disappointed.

Catarino M

I have three children and a busy schedule, so a simple and easy process was very important to me. They made my home-buying journey a breeze and went above my expectations.

This is just one reason why I'm a repeat customer with Clear Lake Bank & Trust.

Kativa W.

Dan O.

Collin S.

The Stromer Family

Access Your Accounts Here

Banking from your phone?
Download our app:

Enroll today for FREE Identity Theft Protection from Mastercard!

Pay all of your bills online or on our mobile app!

Contactless Debit Cards are Here!

Enroll today for FREE Identity Theft Protection from Mastercard!

Pay all of your bills online or on our mobile app!

Contactless Debit Cards are Here!