Ciera Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Ciera Bank leans heavily on commercial real estate. It reported $993 million in assets at June 30, 2026, up 4.9% from a year earlier. It holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 4.62 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings fell sharply: quarterly net income of $3.0 million was 52% below a year earlier. Its $240 million non-owner-occupied commercial real estate book is now fully current, after 7.51% of it was past due or on nonaccrual a year earlier. Credit is the area to watch: it carries problem assets equal to 7.9% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Ciera Bank reported a CET1 capital ratio of 13.36%, a return on assets of 1.21%, a nonperforming-loan ratio of 2.35% and a Texas ratio of 7.93%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 623 Elm St, Graham, TX 76450
- County
- Young
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 10, 1889
- Offices
- 8 domestic
- Employees (FTE)
- 129
- Domestic deposits
- $868.8M
- Allowance for credit losses
- $12.4M
- Net charge-offs (YTD)
- $806K
- Average total assets
- $996.0M
- Average total loans
- $745.3M
- Average interest-bearing deposits
- $820.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3226
- Fed RSSD
- 327855
- SEC CIK
- 709386 → filed by FIRST GRAHAM BANCORP, INC.
- Website
- http://www.cierabank.com →
- Parent Holding Company
- FIRST GRAHAM BANCORP, INC. (RSSD 1107700)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Ciera Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Ciera Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Ciera Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.36% | 1.21% | 2.35% | 7.93% | 4.62% |
| Q1 2026 | 14.03% | 1.81% | 2.16% | 9.52% | 4.25% |
| Q4 2025 | 13.82% | 1.61% | 2.76% | 11.80% | 4.47% |
| Q3 2025 | 13.64% | 0.61% | 3.17% | 15.45% | 4.39% |
| Q2 2025 | 14.15% | 2.70% | 4.96% | 18.16% | 4.39% |
| Q1 2025 | 14.27% | 1.81% | 5.52% | 16.82% | 3.97% |
| Q4 2024 | 13.98% | 1.84% | 4.85% | 15.78% | 4.09% |
| Q3 2024 | 13.66% | 2.71% | 1.90% | 0.60% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ciera Bank (main office) | Graham , TX | 76450 | $268.0M |
| Fort Worth Branch | Fort Worth , TX | 76102 | $179.5M |
| Flower Mound Branch | Flower Mound , TX | 75028 | $156.0M |
| Aledo Branch | Aledo , TX | 76008 | $70.8M |
| Aubrey Branch | Aubrey , TX | 76227 | $57.2M |
| Burleson Branch | Burleson , TX | 76028 | $55.9M |
| Denton Branch | Denton , TX | 76201 | $50.9M |
| Bryson Branch | Bryson , TX | 76427 | $30.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 7, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 2013 | Structure Change | Acquired First Security Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Ciera Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 127 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 60 applications, 40 loans originated, $16.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $325K approved, $325K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Ciera Bank
What are Ciera Bank's total assets?
As of the Q2 2026 filing, Ciera Bank reported total assets of $992.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ciera Bank headquartered?
Ciera Bank is headquartered in Graham, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Ciera Bank founded?
Ciera Bank was established in 1889, per the FDIC institution directory.
Is Ciera Bank FDIC-insured?
Yes. Ciera Bank is an FDIC-insured commercial bank (FDIC Certificate #3226). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ciera Bank?
Ciera Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ciera Bank's CET1 capital ratio?
Ciera Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ciera Bank operate?
Ciera Bank operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ciera Bank's Texas Ratio?
Ciera Bank's Texas Ratio is 7.93% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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