Ciera Bank
BankRegReports is independent of Ciera Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Ciera Bank is an FDIC-insured commercial bank headquartered in Graham, TX, established in 1889 (FDIC certificate 3226), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $992.9M, up 4.9% from Q2 2025, the 91st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 13.36% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3226
- Headquarters
- Graham, TX
- Established
- 1889
- Total assets, Q2 2026
- $992.9M
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 13.36%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 111905227
- Holding company
- FIRST GRAHAM BANCORP, INC.
- Asset rank in state
- 91st of 346 in Texas
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 1.22% and a Texas ratio of 7.93%. The figures come from its call report filed with the FFIEC.
Ciera Bank ranks as the 91st largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $992.9M, loans rose 6.1% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 31.4% of total loans, followed by construction and land development loans at 23.7%. The FDIC Summary of Deposits lists 8 offices for it, in 8 cities in TX; its Graham office books 31% of its branch deposits. Judged on its Q2 2026 call report, Ciera Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 8 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Ciera Bank's total assets ran between $900.7M (Q4 2023) and $992.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$992.9M total assets against $946.3M; $882.0M total liabilities against $842.7M.
$751.3M net loans and leases against $664.4M; $868.8M total deposits against $829.2M.
$55.1M securities against $54.7M; $139.7M cash and balances due against $172.1M.
$15.7M total interest income against $14.7M; $4.8M total interest expense against $5.1M.
$10.9M net interest income against $9.6M.
$794K total noninterest income against $3.5M; $6.4M total noninterest expense against $5.9M.
$2.2M provision for credit losses against $825K.
$3.0M net income against $6.3M.
1.21% return on assets against 2.70%; 4.62% net interest margin against 4.39%.
13.36% CET1 capital ratio against 14.15%; 11.13% tier 1 leverage ratio against 11.49%.
Inside the full Ciera Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 846 of 3,640, for Texas Ratio; its furthest is 1,291 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.61% (Q3 2025) to 2.71% (Q3 2024) and its net interest margin ran from 3.97% (Q1 2025) to 4.62% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.36% | 1.21% | 1.22% | 7.93% | 4.62% |
| Q1 2026 | 14.03% | 1.81% | 1.51% | 9.52% | 4.25% |
| Q4 2025 | 13.82% | 1.61% | 1.56% | 11.80% | 4.47% |
| Q3 2025 | 13.64% | 0.61% | 1.45% | 15.45% | 4.39% |
| Q2 2025 | 14.15% | 2.70% | 1.60% | 18.16% | 4.39% |
| Q1 2025 | 14.27% | 1.81% | 2.72% | 16.82% | 3.97% |
| Q4 2024 | 13.98% | 1.84% | 2.56% | 15.78% | 4.09% |
| Q3 2024 | 13.66% | 2.71% | 0.10% | 0.60% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 127 of 441 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Ciera Bank’s latest filed figures and updates each quarter.
Similar banks
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.
Where is Ciera Bank headquartered?
It is headquartered in Graham, TX, United States.
When was Ciera Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Ciera Bank FDIC-insured?
Yes. It 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.
What is Ciera Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 7.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Ciera Bank.
Get an email when Ciera Bank files its next call report, and benchmark it against any peer you choose.
Unlock Ciera Bank, freeFree account