Ciera Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 29.04 percentage points in Q2 2026, from 320.73% to 349.77%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Ciera Bank is 68th of 346 on loan-to-deposit ratio, 87.90% as of Q2 2026. Ciera Bank reported 87.90% on loan-to-deposit ratio for Q2 2026, 7.34 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $763.7M |
| Net loans and leases | $751.3M |
| Loans held for sale | $0 |
| Loans to total assets | 76.91% |
| Loan-to-deposit ratio | 87.90% |
| Net loans to equity capital | 6.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.97% |
| Multifamily (5+ residential) | 1.08% |
| Commercial and industrial | 10.89% |
| Consumer | 0.62% |
| Credit cards | 0.00% |
| Farm | 2.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 349.77% |
| Construction concentration (Tier 1 capital + allowance) | 147.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.43% |
| Interest income on loans | $13.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $598.2M | $746.0M | 41.21% | 9.68% | 0.68% |
| Q4 2023 | $589.5M | $756.2M | 37.48% | 12.24% | 0.73% |
| Q1 2024 | $594.5M | $787.2M | 40.34% | 10.89% | 0.74% |
| Q2 2024 | $615.3M | $776.2M | 39.85% | 10.28% | 0.76% |
| Q3 2024 | $632.3M | $807.8M | 44.58% | 10.33% | 0.68% |
| Q4 2024 | $635.4M | $801.9M | 44.37% | 10.34% | 0.65% |
| Q1 2025 | $648.7M | $811.2M | 41.04% | 9.99% | 0.61% |
| Q2 2025 | $675.3M | $829.2M | 44.38% | 10.41% | 0.60% |
| Q3 2025 | $705.7M | $834.2M | 47.51% | 11.42% | 0.53% |
| Q4 2025 | $711.5M | $854.0M | 46.91% | 11.79% | 0.63% |
| Q1 2026 | $719.9M | $848.3M | 46.22% | 10.67% | 0.55% |
| Q2 2026 | $763.7M | $868.8M | 45.97% | 10.89% | 0.62% |
Ciera Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ciera Bank, freeSource: Call Report Schedule RC-C, 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)