Ciera Bank
Graham, Texas, Young County
$993M in total assets, the 1,074th largest of 4,309 US banks and 92nd of 352 headquartered in Texas.
- FDIC certificate
- 3226
- Established
- 1889
- Owned by
- First Graham Bcorp Inc
- Primary regulator
- FED
- Website
- http://www.cierabank.com
At a glance
Compared with 218 banks headquartered in Texas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $993M | 98% | $332M | |
| Loans | $764M | 98% | $188M | |
| Deposits | $869M | 98% | $286M | |
| Return on assets | 1.31% | 39% | 1.47% | |
| Net interest margin | 4.49% | 68% | 4.20% | |
| Efficiency ratio | 58.3% | 39% | 61.7% | |
| Equity to assets | 11.17% | 55% | 10.91% | |
| Loans to deposits | 88% | 83% | 72% |
Growth
Total assets grew 3.6% a year over the last 5 years and 6.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2013 | First Security Bank, National Association Flower Mound, TX, an affiliate under the same holding company | $173M |
| Dec 2013 | West Side Bank and Trust Fort Worth, TX, an affiliate under the same holding company | $63M |
Where they operate
8 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Young County, TX | $268M | 31.6% | 1 of 6 |
| Denton County, TX | $264M | 0.1% | 14 of 42 |
| Tarrant County, TX | $180M | 0.3% | 38 of 74 |
| Parker County, TX | $71M | 1.8% | 14 of 21 |
| Johnson County, TX | $56M | 1.8% | 12 of 18 |
| Jack County, TX | $30M | 10.8% | 4 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (8 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2021 | Opened Burleson | 1 | 0 | +1 | 9 |
| 2022 | Closed Hickory Creek | 0 | 1 | −1 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 46% | 28% | |
| Construction and land | 24% | 11% | |
| 1-4 family residential | 13% | 27% | |
| Business (C&I) | 11% | 14% | |
| Farmland | 3% | 7% | |
| Multifamily | 1% | 2% | |
| Consumer | 1% | 5% | |
| Agricultural | 0% | 5% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 42% | 41% | |
| Time deposits | 32% | 29% | |
| Noninterest-bearing | 26% | 30% |
Brokered deposits are 0.0% of deposits (peers 1.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.22% | 0.30% |
| Net charge-offs, annualized | 0.22% | 0.01% |
| Reserves to loans | 1.62% | 1.23% |
| Leverage ratio | 11.13% | 11.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Young County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/ciera