CIERA BANK is an 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%. CET1 capital ratio: 13.82%, well above regulatory minimums. NPL ratio: 1.56% · Texas Ratio: 11.21%. Operates 8 domestic branches.
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