Bank call report · Graham, TX
Ciera Bank Call Report
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Ciera Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 328 reported line items, schedule by schedule (791 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 327855 |
| FDIC certificate number | 3226 |
| Total assets | $992.9M |
Official Q2 2026 call report PDF (FFIEC) →
Ciera Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Ciera Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $992.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $992.9M |
| Total Liabilities and Minority Interest | RCON2948 | $882.0M |
| Total Deposits | RCON2200 | $868.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $763.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $751.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $641.9M |
| Deposits: Noninterest-bearing | RCON6631 | $226.9M |
| Interest-bearing Balances | RCON0071 | $123.4M |
| Total Equity Capital | RCON3210 | $110.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $110.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $92.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $55.1M |
| Other Assets | RCON2160 | $25.5M |
| Surplus | RCON3839 | $23.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $16.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $15.4M |
| Other Liabilities, Total | RCON2930 | $13.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $12.4M |
| Goodwill | RCON3163 | $6.0M |
| Intangible Assets | RCON2143 | $6.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$5.2M |
| Common Stock | RCON3230 | $155K |
Schedule RI: Income Statement (34 items)
About Schedule RI · Ciera Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $30.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $26.7M |
| Net Interest Income | RIAD4074 | $20.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $18.2M |
| Total Noninterest Expense | RIAD4093 | $12.8M |
| Total Interest Expense | RIAD4073 | $9.6M |
| Salaries and Employee Benefits | RIAD4135 | $7.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $7.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $7.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $7.3M |
| Net Income (Loss) | RIAD4340 | $7.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $7.3M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.3M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $4.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.5M |
| Other Noninterest Expense | RIAD4092 | $3.0M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.7M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.9M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.7M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.6M |
| Total Noninterest Income | RIAD4079 | $1.4M |
| Other Noninterest Income | RIADB497 | $983K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $759K |
| Interest on Other Securities | RIAD4060 | $759K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $270K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$192K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $166K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $90K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $88K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $82K |
| Other Interest Income | RIAD4518 | $50K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 129 |
Schedule RC-B: Securities (11 items)
About Schedule RC-B · Ciera Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $60.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $60.3M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $55.1M |
| Pledged Securities | RCON0416 | $47.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $39.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $13.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $933K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $870K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $561K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $440K |
Schedule RC-C, Part I: Loans and Leases (37 items)
About Schedule RC-C, Part I · Ciera Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $763.7M |
| Pledged Loans and Leases | RCONG378 | $758.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $239.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $209.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $156.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $156.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $145.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $142.5M |
| Construction, Land Development, and Other Land Loans in Domestic Offices with Interest Reserves: Amount of Loans That Provide for the Use of Interest Reserves (Included in Scheduled Rc-c, Part I, Item 1.A., Column B) | RCONG376 | $129.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $111.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $110.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $89.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $84.6M |
| Commercial and Industrial Loans | RCON1766 | $83.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $38.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $32.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $25.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $24.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $21.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $17.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $13.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $11.5M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $9.7M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $8.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $8.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $7.3M |
| Construction, Land Development, and Other Land Loans in Domestic Offices with Interest Reserves: Amount of Interest Capitalized from Interest Reserves on Construction, Land Development, and Other Land Loans That Is Included in Interest and Fee Income on Loans During the Quarter (Included in Schedule Ri, Item 1.A.(1)(A)(2)) | RIADG377 | $6.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $5.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $5.3M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $4.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans | RCONK159 | $4.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $3.3M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $2.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1.4M |
| Other Loans | RCONJ464 | $107K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $95K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $31.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $12.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $935K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $811K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $212K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $187K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $181K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 94 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 76 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 60 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 43 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 22 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 9 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 7 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 7 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 5 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 4 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Ciera Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $810.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $791.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $282.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $253.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $137.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $110.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $108.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $94.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $73.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $64.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $62.0M |
| Total Transaction Accounts | RCON2215 | $58.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $54.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $47.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $41.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $32.7M |
| Total reciprocal deposits | RCONJH83 | $28.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $21.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $17.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $17.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $14.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $14.2M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $10.4M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $10.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $8.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $4.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.6M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $496K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $18.8M |
| Accrued Interest Receivable | RCONB556 | $3.1M |
| Other Assets | RCON2168 | $2.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.6M |
| Prepaid Expenses | RCON2166 | $1.4M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $7.1M |
| Deferred Compensation Liabilities | RCONC011 | $3.0M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $2.4M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.5M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $798K |
Schedule RC-K: Quarterly Averages (13 items)
About Schedule RC-K · Ciera Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $996.0M |
| Quarterly Average of Total Loans | RCON3360 | $745.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $542.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $542.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $161.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $142.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $106.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $103.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $93.1M |
| All Other Securities | RCONB560 | $61.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $10.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.1M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $1.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Ciera Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $68.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $31.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $24.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $24.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $3.5M |
| Performance Standby Letters of Credit | RCON3821 | $2.7M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $1.2M |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Ciera Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $23.0M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · Ciera Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $9.3M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $7.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Other Construction Loans and All Land Development and Other Land Loans-nonaccrual | RCONK110 | $7.5M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $7.5M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.1M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $2.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.3M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $1.1M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $297K |
| Additions to Nonaccrual Assets | RCONC410 | $144K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $125K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $124K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $117K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Ciera Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $996.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $871.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $456.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $399.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $110.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $10.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 15,612 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 693 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 294 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 13 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Ciera Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $996.0M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $990.0M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $824.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $120.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $110.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $110.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $110.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $110.2M |
| Retained Earnings | RCOAKW00 | $92.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $24.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $10.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $10.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $10.4M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $6.0M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $6.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$5.2M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$5.2M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1462 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1336 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1336 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1113 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0662 |
Schedule RC-R, Part II: Risk-Weighted Assets (53 items)
About Schedule RC-R, Part II · Ciera Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $829.3M |
| Total Risk-weighted Assets | RCONG641 | $824.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $746.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $746.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $693.1M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $648.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $639.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $139.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $123.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $123.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $123.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $103.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $98.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $95.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $89.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $79.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $79.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $77.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $70.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $55.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $54.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $49.0M |
| Total All Other Assets | RCOND981 | $46.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $39.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $38.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $38.9M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $18.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $16.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $16.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $14.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $13.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $13.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $12.0M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $12.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$11.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $8.6M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $8.0M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $8.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $6.0M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $6.0M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$5.2M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $4.0M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $4.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $2.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $1.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 50 Pct Risk Weight Category | RCONG604 | $1.3M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $1.2M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $1.2M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $1.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $1.0M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $723K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $546K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $1K |
Schedule RC-T: Fiduciary and Related Services (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $242.0M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $242.0M |
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $122.4M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $110.7M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $11.2M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $8.6M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $6.4M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $514K |
| Income from Fiduciary Activities | RIAD4070 | $397K |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $352K |
| Other Fiduciary and Related Services Income | RIADB910 | $208K |
| Personal Trust and Agency Accounts | RIADB904 | $150K |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $25K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $10K |
| Custody and Safekeeping Accounts | RIADB909 | $4K |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 104 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 104 |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 87 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 76 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 22 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 18 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 6 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 5 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 3 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $110.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $108.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $108.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $4.7M |
| Other Comprehensive Income | RIADB511 | -$15K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (3 items)
About Schedule RI-B, Part I · Ciera Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $806K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $794K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $12K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Ciera Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $12.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $11.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $806K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $154K |
Ciera Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Ciera Bank call report?
The Ciera Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Ciera Bank file?
Ciera Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Ciera Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Ciera Bank has Federal Reserve RSSD ID 327855 and FDIC certificate number 3226. Either one finds its filings on the FFIEC Central Data Repository.
How often does Ciera Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Ciera Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 3226) · FFIEC NIC profile (RSSD 327855)