STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
173
2010–2025
Total Volume
$33M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
173 total segments
Clear Lake Bank & Trust Company has a strong focus on smaller deals, with 71% of their SBA loans under $150K. If you're seeking a larger loan, this lender may not be the best fit.
With an average 7(a) spread of P+1.41%, Clear Lake Bank & Trust Company offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
The lender's 10% share of 504 loans indicates they have some experience with real estate financing, but they are primarily focused on 7(a) loans. If your project involves real estate, consider this limited 504 activity.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 17 504 loans, which use fixed SBA debenture rates.
States where Clear Lake Bank & Trust Company has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Retail Trade
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Clear Lake Bank & Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Iowa · Specialty Trade Contractors · Under $150K | 7(a) | 14 | P+2.25% | $73K | Q1 2024 |
| Iowa · Restaurants & Food Service · Under $150K | 7(a) | 13 | P+2.00% | $68K | Q1 2024 |
| Iowa · Administrative & Waste Services · Under $150K | 7(a) | 12 | P+2.25% | $50K | Q3 2025 |
| Iowa · Manufacturing · Under $150K | 7(a) | 11 | P+1.75% | $71K | Q1 2023 |
| Iowa · Retail Trade · Under $150K | 7(a) | 11 | P+1.75% | $60K | Q1 2021 |
| Iowa · Arts, Entertainment & Recreation · Under $150K | 7(a) | 9 | P+1.25% | $58K | Q2 2020 |
| Iowa · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 6 | P+1.88% | $196K | Q1 2022 |
| Iowa · Personal Care (Salons, Spas) · Under $150K | 7(a) | 6 | P+1.88% | $62K | Q1 2023 |
| Iowa · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+2.00% | $86K | Q2 2021 |
| Iowa · Other Repair & Services · Under $150K | 7(a) | 5 | P+1.75% | $66K | Q4 2018 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.25% | $110K | Q3 2017 |
| Iowa · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+1.52% | $260K | Q2 2022 |
| Iowa · Wholesale Trade · Under $150K | 7(a) | 4 | P+2.75% | $73K | Q4 2021 |
| Iowa · Other Health Practitioners · Under $150K | 7(a) | 4 | P+0.00% | $71K | Q2 2023 |
| Iowa · General Merchandise · Under $150K | 7(a) | 3 | P+2.75% | $65K | Q2 2011 |
| Iowa · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.00% | $72K | Q1 2025 |
| Iowa · Heavy & Civil Engineering · Under $150K | 7(a) | 3 | P+2.75% | $47K | Q4 2010 |
| Iowa · Laundry & Dry Cleaning · Under $150K | 7(a) | 2 | P+2.75% | $80K | Q2 2010 |
| Iowa · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+1.31% | $133K | Q1 2021 |
| Iowa · Auto Dealers & Parts · $350K – $500K | 7(a) | 2 | P+2.25% | $500K | Q4 2011 |
| Iowa · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+1.50% | $250K | Q2 2013 |
| Iowa · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.00% | $248K | Q1 2013 |
| Iowa · Manufacturing · $1M – $2M | 7(a) | 2 | P+0.63% | $1.6M | Q3 2021 |
| Iowa · Real Estate · $500K – $1M | 7(a) | 2 | P+-0.51% | $694K | Q2 2024 |
| Minnesota · Retail Trade · Under $150K | 7(a) | 2 | P+2.13% | $40K | Q3 2020 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with Clear Lake Bank & Trust Company.
No reviews yet. Be the first to review Clear Lake Bank & Trust Company.