# CIERA BANK
GRAHAM, TX · FDIC certificate 3226 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $992.9M | |
| Deposits | $868.8M | |
| Loans and leases | $763.7M | |
| Total equity | $110.9M | |
| Loans / deposits | 86.48% (p63 of band) | 82.04% |
| Liquid assets / assets | 19.61% (p31 of band) | |
| Uninsured deposits / deposits | 32.69% (p74 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.13% (p57 of band) | 10.81% |
| Unrealized securities loss / equity | -4.72% (p64 of band) | -8.10% |
| AOCI / equity | -0.01% (p73 of band) | |
| ROA (annualized) | 1.50% (p64 of band) | 1.28% |
| Net interest margin | 4.49% (p82 of band) | 3.91% |
| Efficiency ratio | 58.34% (p41 of band) | |
| Noncurrent loans | 1.22% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | 0.16% (p90 of band) | |
| Reserve coverage of noncurrent | 132.84% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 162.92% (p98 of band) | |
| Auto loans | $95,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $9.7M (9% of equity) (p96 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 129 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 | capital falling | reserve under noncurrent, uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | reserve under noncurrent | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | construction >100% equity, deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 2 | deposits shrinking |  |
| 2015-12 | 1 |  | deposits shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | construction >100% equity |
| 2018-09 | 2 | capital falling, construction >100% equity |  |
| 2018-12 | 3 | charge-offs p90 |  |
| 2019-03 | 1 |  | capital falling, charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 6 | capital falling, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2022-06 | 5 |  | capital falling |
| 2022-09 | 4 |  | losing money |
| 2022-12 | 6 | deposits shrinking, assets shrinking |  |
| 2023-03 | 4 |  | charge-offs p90, assets shrinking |
| 2023-06 | 3 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2023-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-17 [Ciera Bank’s Noto named Banker of the Year by Tarrant County Bankers Association - Fort Worth Report](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPSVpqenc1Yk9CNzBBSEJNV1VuU1FjT3l3dE1TOHBrb1FodEhCcHdENVIyam12WlpXX0pfd3NIQmk5NjhBdExZWnhUQnRkdGtDN0JBWmNMc0w0RHRkQlA1dWN4Ry1YdVY4TUZ4bk83THpCN3RkcktheFpadjk4V0JRX1g0SlFjRUoxMFhqbi1ncEQxc2d5ZnVlVklRcTB0U3h1NnlzYUZKQ0pJT2hrOGppcVlXbEczMUYxQ1gw?oc=5) · Fort Worth Report
- 2023-11-16 [Ciera Bank quickly approaching $1B in assets - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxPWFJkeEw4c3ZSN0o0NXZ6M2N6RGZQVFBha1Zvd29wTzBQdm5mbmpCTHJLZi1pSFpmNDN3c3ZXZ1dkYml6NTd4Zzh0UjFSdkRFYmJycHBaX0xXcXRIbEhvdnNnYTlfMW8wOFNsMnlTLThqajV4RHY3SUtXUngxdUdIOW9BVzliRDNiSUxDbA?oc=5) · The Business Journals
- 2020-05-06 [Ciera Bank names regional president - The Business Press](https://news.google.com/rss/articles/CBMif0FVX3lxTE43WVFwVHd3NW5BdnVCNURSeHB0b2c4amRadnFGd3FaOG5kOWczSDBfZ2hHNXNieEEwTENSX2FjMW1QaHdFaVNxeE5NV1pmX0xYV0gwNnVobXM1TFJ0ZWpnU1RjY19iOWlaeklFcFY4VDlyMnN0ZkdrUzVINjJoRGM?oc=5) · The Business Press
- 2022-01-08 [Two banks open new branches in fast-growing Burleson - The Business Press](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSTkwZlY5UHh4djZfVmU2QmpKMkhBMXg1dmpEOVhjakNyVldvc2Z6ZmNHTk0yOTdHWDJBTk5yQVdaS19oaXhYaktMd3duWjhuZHpoaUVadmtnOTA1cElaeWpNVFZGMm1YclVBVTN3ejBiclNna2VZZkNoS1h4TEJaUnlBRHBVX3BMczhpODI1V1dfajNU?oc=5) · The Business Press
- 2021-12-01 [Cares for Kids Luncheon - Fort Worth Magazine](https://news.google.com/rss/articles/CBMiU0FVX3lxTFBod2FWOWdWUDEtZk9IX09CS0g3ZTYydXdETVMtR0V1bkxJalFIYzNqdmlvUDY1YlZBZUQ1RjZGb3FqSE9ISEFEbVp4dDc5eXNiQ0dR?oc=5) · Fort Worth Magazine
- 2018-11-16 [Newsmakers: Chambers to Ciera Bank - The Business Press](https://news.google.com/rss/articles/CBMifEFVX3lxTE9ac2JtbkM1MjhPRnBQRG9TMTVXcElFWWtNa3Q0a2o3R2VoX2ZieDMzWFIta0FoMkU0T1AyWjFvMlM5djZIYU5wNl9JNDdCTVo2MHlrQzVFcTZpZ1BSd1JFTFhVNW5nc2pFdGZXZ0EwLVJPaEpva2FYWm91UGY?oc=5) · The Business Press
- 2021-04-13 [Kaden Vincent Obituary - Fort Worth, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNUVdpQ2ZSS0l3MEJrTldlVHRUMkJUX2xIZElmSWpfRDNpTlQxVFV2OWFDdUJENjVSRXU2MlhoNlBiY2J3Ml9xLUN6VWJvYUFkRDBwQ3BKbHg3cjFOVkk4SmVUSDhYMGRweDB4NVZ1cWg3ZFRTbGlzbUpSR0dhZ1Y0N1ZVVjlfZw?oc=5) · Dignity Memorial
- 2015-03-13 [Powell to lead Ciera Bank’s Fort Worth expansion - The Business Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxQUUJDbF9TWDhiNVlLbFdLR1F5cUQxUHFPNE9jSEhGN1R0LUZtYnplMzRSU0NxdXFwcFlBc2tLcU9hS0J1VFFFSlBLLXFRUEhqQUdDUnozYkJnYW0yYWZtWmlqOFo1d3d5TC1WdW11VzVkRkN6ZnlOOGVTSjZET1hlSjhnNE4yMzFJTmJZT2N4dw?oc=5) · The Business Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3226 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "3226", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide