Ciera Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Risk-weighted assets rose 5.7% in Q2 2026 to $824.9M, the biggest move on this page. Ciera Bank ranks 150th of 184 Texas banks on CET1 ratio, in the lower half at 13.36% (Q2 2026). Ciera Bank reported 13.36% on CET1 ratio for Q2 2026, 1.72 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.36% |
| Tier 1 risk-based capital ratio | 13.36% |
| Total risk-based capital ratio | 14.62% |
| Tier 1 leverage ratio | 11.13% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $110.2M |
| Tier 1 capital | $110.2M |
| Total risk-based capital | $120.6M |
| Total equity capital | $110.9M |
| Risk-weighted assets | $824.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.17% |
| Tangible equity to tangible assets | 10.63% |
| Equity capital to average assets | 11.14% |
| Internal capital growth rate | 2.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $155K |
| Common stock surplus | $23.9M |
| Retained earnings | $92.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.43% | 13.43% | 14.69% | 9.74% | $672.9M |
| Q4 2023 | 13.62% | 13.62% | 14.88% | 9.95% | $666.7M |
| Q1 2024 | 13.74% | 13.74% | 15.00% | 10.15% | $668.2M |
| Q2 2024 | 13.65% | 13.65% | 14.91% | 10.26% | $682.9M |
| Q3 2024 | 13.66% | 13.66% | 14.92% | 10.65% | $714.9M |
| Q4 2024 | 13.98% | 13.98% | 15.24% | 10.79% | $716.6M |
| Q1 2025 | 14.27% | 14.27% | 15.52% | 11.17% | $716.8M |
| Q2 2025 | 14.15% | 14.15% | 15.40% | 11.49% | $752.2M |
| Q3 2025 | 13.64% | 13.64% | 14.90% | 11.33% | $775.7M |
| Q4 2025 | 13.82% | 13.82% | 15.07% | 11.30% | $778.2M |
| Q1 2026 | 14.03% | 14.03% | 15.29% | 11.52% | $780.6M |
| Q2 2026 | 13.36% | 13.36% | 14.62% | 11.13% | $824.9M |
Ciera Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ciera Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ciera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3226) · FFIEC NIC profile (RSSD 327855)