Ciera Bank (FDIC #3226): Bank Stress & Real-Estate Credit Exposure
Ciera Bank (FDIC Cert #3226): bank stress 56/100, moderate, STABLE over 7 days; parent FIRST GRAHAM BCORP INC.
Ciera Bank (#3226) lends in 6 counties across 1 state; Ciera Bank (#3226) reaches 151 ZIP codes: Texas 6 counties, 151 ZIPs.
Ciera Bank (#3226) largest markets: Tarrant County, TX (76 branches, 76 ZIPs) (#3226), Denton County, TX (120 branches, 40 ZIPs) (#3226), Parker County, TX (19 branches, 19 ZIPs) (#3226), Johnson County, TX (16 branches, 16 ZIPs) (#3226), Jack County, TX (11 branches, 11 ZIPs) (#3226), Young County, TX (6 branches, 6 ZIPs) (#3226).
Ciera Bank (#3226) reports $992.9 million in total assets; Ciera Bank (#3226) equity $110.9 million (11.2% of Ciera Bank (#3226) assets); Ciera Bank (#3226) domestic deposits $868.8 million; Ciera Bank (#3226) net income $7.3 million; Ciera Bank (#3226) return on assets 1.50%; Ciera Bank (#3226) return on equity 13.43%; Ciera Bank (#3226) net interest income $20.6 million; Ciera Bank (#3226) call report June 30, 2026.
Ciera Bank (#3226) noncurrent real-estate loans: none reported; Ciera Bank (#3226) net charge-offs on real estate 1.36%; Ciera Bank (#3226) residential charge-offs 0.03%.
Ciera Bank (#3226) net interest margin 4.49% against an eight-quarter Ciera Bank (#3226) average of 4.21% (Ciera Bank (#3226) compression -0.28 points); Ciera Bank (#3226) non-residential real estate 3.3% of equity; Ciera Bank (#3226) rate-exposure score 40/100, Ciera Bank (#3226) fixed-rate trap 40/100; Ciera Bank (#3226) risk type credit driven; Ciera Bank (#3226) rate regime rates elevated, Ciera Bank (#3226) snapshot October 20, 2026.
Ciera Bank (#3226) stress score moved from 49.3 on June 22, 2026 to 56.4 on October 20, 2026; Ciera Bank (#3226) ranged 49.3 to 56.4 over 117 snapshots.
Ciera Bank (#3226) alerts: 6 counties; top Ciera Bank (#3226) alert scores: Aledo County, TX 18 (low); Bryson County, TX 18 (low); Burleson County, TX 18 (low); Flower Mound County, TX 18 (low); Fort Worth County, TX 18 (low).