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Ciera Bank

$100M-$1B Specialty: Commercial TX FDIC cert 3226

Graham, TX

8 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +4.8% year over year ($868.8M on the books).
  • Delinquency rate 1.24%.
  • Return on assets 1.50%.
  • Efficiency ratio 58.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Ciera Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.18% above tier average
  • + Net Interest Margin 0.51% above tier average
  • + Efficiency Ratio 6.14% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 19.9% in tier
  • - Cost Spiral: Bottom 30.4% in tier
  • - Delinquency Rate 0.32% above tier average
Get updates when Ciera Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $992.9M
+4.9% YoY +2.4% QoQ
+$606.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 0.2% in tier
Total Loans ? $751.3M
+13.1% YoY +6.0% QoQ
+$492.9M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 0.9% in tier
Total Deposits ? $868.8M
+4.8% YoY +2.4% QoQ
+$542.1M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 0.3% in tier
Return on Assets ? 1.50%
-33.4% YoY -15.6% QoQ
+0.18% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 4.49%
+6.5% YoY +5.2% QoQ
+0.51% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 58.34%
+13.4% YoY -5.6% QoQ
-6.14% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 1.24%
-23.7% YoY -19.2% QoQ
+0.32% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 86.48%
+7.9% YoY +3.5% QoQ
+8.52% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 26.11%
-0.9% YoY +2.2% QoQ
+4.08% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
70%
Nonperforming Asset Ratio ? 0.94%
-55.0% YoY -16.4% QoQ
+0.27% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 13.36%
-5.6% YoY -4.8% QoQ
-2.55% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.14%
-69.7% YoY +136.1% QoQ
-0.43% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
30%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 26.1%
-0.2pp YoY
+0.6pp QoQ
 +4.0pp 22.1% 29.2% 22.2% 70%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 11.1%
+0.5pp YoY
+0.2pp QoQ
 -0.5pp 11.6% 14.8% 12.5% 59%
CRE 71.9%
-1.3pp YoY
+1.3pp QoQ
 +32.3pp 39.5% 48.4% 41.4% 94%
1-4 Family 13.6%
+0.1pp YoY
-1.4pp QoQ
 -19.0pp 32.6% 25.8% 31.3% 17%
Consumer 0.6%
0.0pp YoY
+0.1pp QoQ
 -3.5pp 4.1% 4.7% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 13.4%
-0.8pp YoY
-0.7pp QoQ
 -5.5pp 18.8% 22.7% 19.7% 32%
Leverage Ratio 11.1%
-0.4pp YoY
-0.4pp QoQ
 -1.0pp 12.2% 12.6% 12.6% 52%
Total Capital Ratio 14.6%
-0.8pp YoY
-0.7pp QoQ
 -5.3pp 19.9% 23.8% 20.8% 33%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 129
+5 (+4.0%) YoY
0 QoQ
 +70 58 186 482 95%
Assets per Employee ($) $7.7M
+0.9% YoY
+2.4% QoQ
 +$179K $7.5M $10.1M $8.8M 64%
Branch Count 8
0 YoY
0 QoQ
 +3 4 12 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.2%
-0.4pp YoY
-0.3pp QoQ
 +0.3pp 0.9% 1.0% 1.0% 77%
Allowance Coverage 1.33x
+31.9% YoY
+28.9% QoQ
 -22.82x 24.15x 18.82x 20.23x 36%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 13.4%
-7.3pp YoY
-2.5pp QoQ
 +1.2pp 12.2% 13.2% 11.6% 58%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 76%
Net Income ($, YTD) $7.3M
-29.7% YoY
— QoQ
 +$4.8M $2.6M $15.9M $40.4M 96%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#62 of 307 • Bottom 19.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.50%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Cost Spiral

risk
#43 of 138 • Bottom 30.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 58.34%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

7
Total Assets
size
Value: $992.92M
Peer Median: $386.57M
#7 of 2643 Top 0.2% in $100M-$1B
9
Total Deposits
size
Value: $868.79M
Peer Median: $326.73M
#9 of 2643 Top 0.3% in $100M-$1B
26
Total Loans
size
Value: $751.29M
Peer Median: $258.35M
#26 of 2643 Top 0.9% in $100M-$1B
543
Net Interest Margin
profitability
Value: 4.49%
Peer Median: 3.99%
#543 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (2 metrics)

2066
Nonperforming Asset Ratio
credit_quality
Value: 0.94%
Peer Median: 0.67%
#2066 of 2643 Bottom 21.9% in $100M-$1B
2016
Delinquency Rate
credit_quality
Value: 1.24%
Peer Median: 0.92%
#2016 of 2633 Bottom 23.5% in $100M-$1B
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