CIERA BANK

GRAHAM, TX | Medium | Est. Oct. 10, 1889, midnight | FDIC #3226 | RSSD #327855 | FED
Latest Report: 2025-12-31

CIERA BANK is amn medium FDIC-insured commercial bank headquartered in GRAHAM, TX, established in Oct. 10, 1889, midnight. As of 2025-12-31, the bank reported total assets of $975M and total deposits of $854M. Profitability stands at 1.60% ROA and 14.44% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 13.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.56% and a Texas Ratio of 11.21%. FDIC Certificate #3226.

Assets

$975M

Deposits

$854M

Loans

$712M

Equity

$108M

Profitability

Return on Assets (ROA) 1.60%
Return on Equity (ROE) 14.44%
Net Interest Margin (NIM) 4.58%
Yield on Assets 6.85%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 1.56%
Net Charge-Off Ratio 0.01%
Texas Ratio 11.21%
NPA Ratio 1.38%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 13.82%
Tier 1 Capital 13.82%
Total Capital Ratio 15.07%
Leverage Ratio 11.30%
Loan-to-Deposit 83.32%

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