Ciera Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.18 percentage points lower than in Q1 2026, at 68.78%. Within Texas, Ciera Bank is 222nd of 345 on return on assets, 1.21% as of Q2 2026. Ciera Bank reported 1.21% on return on assets for Q2 2026, 0.04 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.36% |
| Tier 1 risk-based capital ratio | 13.36% |
| Total risk-based capital ratio | 14.62% |
| Tier 1 leverage ratio | 11.13% |
| Equity capital to assets | 11.17% |
| Tangible equity to tangible assets | 10.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.35% |
| Non-performing assets ratio | 1.81% |
| Net charge-off ratio | 0.43% |
| Texas ratio | 7.93% |
| Allowance for credit losses to loans | 1.62% |
| Reserve coverage of non-performing loans | 68.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 11.00% |
| Net interest margin | 4.62% |
| Efficiency ratio | 54.80% |
| Yield on earning assets | 6.65% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.90% |
| Core deposits to total deposits | 87.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.50% |
| Securities to assets | 5.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.43% | 13.43% | 14.69% | 9.74% | 2.56% |
| Q4 2023 | 13.62% | 13.62% | 14.88% | 9.95% | 1.52% |
| Q1 2024 | 13.74% | 13.74% | 15.00% | 10.15% | 1.25% |
| Q2 2024 | 13.65% | 13.65% | 14.91% | 10.26% | 1.43% |
| Q3 2024 | 13.66% | 13.66% | 14.92% | 10.65% | 2.71% |
| Q4 2024 | 13.98% | 13.98% | 15.24% | 10.79% | 1.84% |
| Q1 2025 | 14.27% | 14.27% | 15.52% | 11.17% | 1.81% |
| Q2 2025 | 14.15% | 14.15% | 15.40% | 11.49% | 2.70% |
| Q3 2025 | 13.64% | 13.64% | 14.90% | 11.33% | 0.61% |
| Q4 2025 | 13.82% | 13.82% | 15.07% | 11.30% | 1.61% |
| Q1 2026 | 14.03% | 14.03% | 15.29% | 11.52% | 1.81% |
| Q2 2026 | 13.36% | 13.36% | 14.62% | 11.13% | 1.21% |
Ciera Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ciera Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)