Bank Comparison
Ciera Bank vs First National Bank and Trust Company of Weatherford Dba First Bank Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
First National Bank and Trust Company of Weatherford Dba First Bank Texas
RSSD 614368 · WEATHERFORD, TX
Full profile →Capital adequacy
| Metric | Ciera Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| CET1 Ratio | 14.03% | — |
| Tier 1 Capital Ratio | 14.03% | — |
| Total Capital Ratio | 15.29% | — |
| Tier 1 Leverage Ratio | 11.52% | 10.20% |
| Equity / Assets | 11.24% | 9.79% |
Profitability
| Metric | Ciera Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Return on Assets (ROA) | 1.81% | 0.48% |
| Return on Equity (ROE) | 15.92% | 5.03% |
| Net Interest Margin (NIM) | 4.25% | 4.21% |
| Yield on Earning Assets | 6.32% | 5.81% |
| Cost of Funds | 2.25% | 1.66% |
Asset quality
| Metric | Ciera Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Texas Ratio | 13.62% | 29.90% |
| Non-Performing Loan Ratio | 2.16% | 5.50% |
| Non-Performing Asset Ratio | 1.61% | 3.14% |
| Net Charge-Off Ratio | 0.00% | 0.24% |
| ACL / Loans | 1.56% | 1.29% |
Balance sheet
| Metric | Ciera Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Total Assets | $969,580K | $965,376K |
| Total Deposits | $848,349K | $868,296K |
| Total Loans | $719,900K | $537,722K |
| Total Equity | $109,028K | $94,494K |
| Net Income (quarter) | $4,324K | $1,184K |
Liquidity & funding
| Metric | Ciera Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 84.86% | 61.93% |
| Core Deposit Ratio | 87.98% | 90.75% |
| Uninsured Deposit Ratio | — | 25.90% |
Identity
| Metric | Ciera Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Headquarters City | GRAHAM | WEATHERFORD |
| Headquarters State | TX | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 2477 |
| Regulator | FED | OCC |
| Domestic Branches | 8 | 16 |
| Employees (FTE) | 129 | 188 |
| Established | Oct. 10, 1889, midnight | May 15, 1880, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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