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Ciera Bank
Graham, TX · FDIC Certificate #3226 · Chartered 10/1
Total assets
$992.92M
Total deposits
$868.79M
Total equity
$110.94M
Net loans
$751.29M
Branches (offices)
8
Net income (YTD)
$7.35M
Rank: #1,051 of 4,213 U.S. banks by assets · #91 of 346 in Texas. Assets changed 4.9% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.50% |
| Return on equity | 13.43% |
| Net interest margin (YTD) | 4.49% |
| Equity to assets | 11.17% |
| Tier 1 leverage ratio | 11.13% |
| Uninsured deposits (share of deposits) | 32.7% |
| Noncurrent loans (share of loans) | 1.22% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 86.5% |
| Real estate loans (share of loans) | 88.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $663.73M | 88.3% | |
| Commercial & industrial | $83.14M | 11.1% | |
| Consumer / individual | $4.77M | 0.6% | |
| Construction & development | $180.74M | 24.1% | |
| Agricultural | $2.19M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $868.25M | $786.28M | -$1.14M | $75.47M |
| Jun 2023 | $895.63M | $697.17M | $8.79M | $84.53M |
| Jun 2024 | $903.22M | $776.22M | $6.12M | $92.37M |
| Jun 2025 | $946.35M | $829.23M | $10.46M | $103.67M |
| Jun 2026 | $992.92M | $868.79M | $7.35M | $110.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $868.79M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $868.79M.
Similar-sized banks
Peoples State Bank ($992.96M) · First Federal Bank Of Kansas City ($992.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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