What is Ciera Bank's financial health grade?

Ciera Bank has a TFS Financial Health Grade of C+ (score: 77.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Ciera Bank have?

Ciera Bank has 8 branch locations across the United States.

Is Ciera Bank FDIC insured?

Yes, Ciera Bank is FDIC insured (Certificate #3226).

What are the total assets of Ciera Bank?

Ciera Bank has total assets of $975.4M as reported in its most recent FDIC filing.

Ciera Bank

BankGraham, Texas

http://www.cierabank.com

Total Assets

$975.4M

Total Deposits

$854.0M

Branches

Established

1889

TFS Health Grade

C+

77.9 / 100

Average financial health

How we grade

Ciera Bank is a bank headquartered in Graham, Texas, established in 1889. With $975.4M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C+ (77.9/100).

Capital & Safety

Tier 1 Capital Ratio

11.30%(8%)

Total Capital Ratio

15.07%(10%)

Non-Performing Loan Ratio

1.56%

Profitability

Return on Assets (ROA)

1.67%(1%)

Return on Equity (ROE)

15.24%(10%)

Net Interest Margin

4.35%

Efficiency Ratio

58.69%(60%)

Lending & Liquidity

Total Loans

$711.5M

Loan-to-Deposit Ratio

81.96%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+6.65%

Deposit Growth (YoY)

+6.50%

Net Income

$15.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Ciera BankHQ	623 Elm St	Graham	TX	11
Ciera Bank	325 S Fm 1187	Aledo	TX	11
Ciera Bank	958 S Highway 377	Aubrey	TX	11
Ciera Bank	300 West Dempsey Street	Bryson	TX	11
Ciera Bank	116 E Renfro St	Burleson	TX	11
Ciera Bank	321 W Oak St	Denton	TX	11
Ciera Bank	1801 Cross Timbers Rd	Flower Mound	TX	11
Ciera Bank	1501 Summit Ave	Fort Worth	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.