BlastPoint's Banking Scorecard
Ciera Bank
Graham, TX
8 branches across TX
Ciera Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.51% above tier average
- + Net Interest Margin 0.34% above tier average
- + Efficiency Ratio 3.45% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.65% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$969.6M
+4.9% YoY
-0.6% QoQ
|
+$583.5M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 1.0% in tier |
| Total Loans ? |
$708.7M
+11.0% YoY
+1.2% QoQ
|
+$453.0M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 2.2% in tier |
| Total Deposits ? |
$848.3M
+4.6% YoY
-0.7% QoQ
|
+$520.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 0.8% in tier |
| Return on Assets ? |
1.78%
-1.8% YoY
+6.5% QoQ
|
+0.51% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
81% |
| Net Interest Margin ? |
4.27%
+6.4% YoY
-1.9% QoQ
|
+0.34% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
61.84%
+3.4% YoY
+5.4% QoQ
|
-3.45% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
1.53%
-44.4% YoY
-3.1% QoQ
|
+0.65% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
83.54%
+6.1% YoY
+1.9% QoQ
|
+6.90% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
25.56%
-6.5% YoY
-3.9% QoQ
|
+3.54% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
1.12%
-41.2% YoY
-18.6% QoQ
|
+0.48% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
14.03%
-1.7% YoY
+1.6% QoQ
|
-1.80% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.06%
-32.5% YoY
-81.7% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
24% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.