Ciera Bank
Graham, TX
IDRSSD: 327855
Total Assets
$975.43M
Latest filing
Total Deposits
$854.00M
Latest filing
Net Interest Margin
4.52%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111905227GRAHAM, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Ciera Bank
623 Elm St
Graham, TX 76450
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/10/1889FDIC Certificate 2081
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Ciera Bank (Main) | 623 Elm St | Graham, TX |
| FLOWER MOUND BRANCH | 1801 Cross Timbers Rd | Flower Mound, TX |
| FORT WORTH BRANCH | 1501 Summit Ave | Fort Worth, TX |
| BRYSON BRANCH | 300 West Dempsey Street | Bryson, TX |
| AUBREY BRANCH | 958 S Highway 377 | Aubrey, TX |
| ALEDO BRANCH | 325 S Fm 1187 | Aledo, TX |
| DENTON BRANCH | 321 W Oak St | Denton, TX |
| BURLESON BRANCH | 116 E Renfro St | Burleson, TX |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 10/10/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76450 |
| State and County Number | 48503 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 125 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.cierabank.com |
| Data Updated | 01/30/2026 |
| CERT | 3226 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $975.43M |
| Total Deposits | $854.00M |
| Total Liabilities | $867.16M |
| Total Equity Capital | $108.27M |
| Net Income | $3.85M |
| Net Loans and Leases | $699.98M |
| Assets Per Employee ($Millions) | $7.5M |
| Bank Premises and Fixed Assets | $15.72M |
| Cash and Balances due from Depository Institutions | $168.80M |
| Deposits Held in Domestic Offices | $854.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.6% |
| Return on Equity (ROE) | 14.44% |
| Net Interest Margin | 4.52% |
| Efficiency Ratio | 62.81% |
| Tier 1 Risk-Based Capital Ratio | 13.816% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.1% |
| Earning Assets to total Assets | 93.6% |
Income and Expense
| Total Interest Income | $15.21M |
| Total Noninterest Income | $82.00k |
| Total Interest Expense | $5.06M |
| Total Noninterest Expense | $6.43M |
| Net Interest Income | $10.15M |
| Pre-tax Net Operating Income | $3.85M |
| Provision for Credit Losses | $-48,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.36M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.16M |
| Total Liabilities and Capital | $975.43M |
Securities
| Securities | $57.31M |
| Available-for-sale debt securities | $57.31M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ciera Bank?
$975.43M as of the latest filing.
How much are Ciera Bank's total deposits?
$854.00M in total deposits.
Where is Ciera Bank located?
Graham, TX.
What is the Net Interest Margin?
4.52%.
How many domestic offices does it operate?
8.
When was it established?
10/10/1889.
What is the Return on Assets (ROA)?
1.6%.
How much are total loans and leases?
$699.98M (latest filing).
What is the total interest income (latest filing)?
$15.21M.