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 Ciera Bank
Ciera Bank
| RSSD ID 327855 | CERTIFICATE 3226 | ABA NUMBER 111905227 |
| 623 Elm St |
Quarter Ended : |
2025-12-31 |
| Graham, Texas, 76450 |
Updated : |
2026-01-23 |
| www.cierabank.com |
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| Institution Profile |
| Year Opened : |
1889 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
8 |
Number of Employees : |
130 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 975,431 |
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Total Interest Income | 58,793 |
| Total Liabilities | 867,162 |
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Total NonInterest Income | 3,071 |
| Total Bank Equity Capital | 108,269 |
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Total Interest Expense | 20,649 |
| Total Deposits | 854,000 |
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Total NonInterest Expense | 24,190 |
| Net Loans & Leases | 699,978 |
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Net Income | 15,742 |
| Loan Loss Allowance | 11,544 |
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Net Charge Offs | 103 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 117,289 |
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Total loans | 712,314 |
| Total assets for the leverage ratio | 951,700 |
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Loans secured by real estate: | 614,563 |
| Tier 1 Leverage Ratio | 11.3 |
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Commercial and industrial loans | 93,199 |
| Tier 1 Capital Ratio | 13.82 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.07 |
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Loans to individuals - Other | 3,898 |
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:· Ciera Bank
