Ciera Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ciera Bank of Graham, TX against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.21% | 1.25% | -0.04% | 46th below |
| ROAE | 11.00% | 12.22% | -1.22% | 41st below |
| Net Interest Margin | 4.62% | 3.95% | +0.67% | 83rd top |
| Efficiency Ratio | 54.80% | 63.71% | -8.91% | 69th above |
| PPNR / Avg Assets | 2.10% | — | — | 76th top |
| Yield on Earning Assets | 6.65% | 5.67% | +0.98% | 90th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.87% | -0.01% | 46th below |
| Net Interest Spread | 3.61% | — | — | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.22% | 0.88% | +0.34% | 23rd bottom |
| NPA / Total Assets | 0.94% | — | — | 22nd bottom |
| NCO / Avg Loans | 0.43% | 0.15% | +0.28% | 7th bottom |
| ACL / Total Loans | 1.62% | — | — | 84th top |
| ACL / NPLs (Coverage) | 132.84% | — | — | 36th below |
| Texas Ratio | 7.93% | 5.96% | +1.97% | 23rd bottom |
| Provision / NCO | 274.12% | — | — | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.36% | 17.18% | -3.82% | 32nd below |
| Tier 1 Ratio | 13.36% | 17.21% | -3.85% | 32nd below |
| Total Capital Ratio | 14.62% | — | — | 33rd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.13% | 11.75% | -0.62% | 52nd above |
| Equity / Assets | 11.17% | 10.98% | +0.19% | 62nd above |
| TCE / Tangible Assets | 10.63% | — | — | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.90% | 80.44% | +7.46% | 33rd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.28% | 86.95% | +0.33% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.92% | — | — | 53rd above |
| Loan Growth (Y/Y) | 13.09% | — | — | 82nd top |
| Deposit Growth (Y/Y) | 4.77% | — | — | 55th above |
See Ciera Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ciera Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ciera Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Ciera Bank peer analysis.