| Weiss Ratings |
Ciera Bank
Graham, TX |
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| Rating | ||||
| Asset Quality Index | 2.90 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.60 | |||
| Profitability Index | 7.40 | |||
| Stability Index | 9.20 | |||
| Company Info |
Ciera Bank
Graham, TX |
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| FDIC Number | 3226 | |||
| Phone Number | (940) 549-2040 | |||
| Website | www.cierabank.com | |||
| Asset Quality |
Ciera Bank
Graham, TX |
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| 1-Year Asset Growth | 6.65% | |||
| 5-Year Asset Growth | 4.65% | |||
| 5-Year Charge-Offs to Average Loans | -0.03% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 2.25% | |||
| Non-Performing Loans to Capital | 12.90% | |||
| Non-Performing Loans to Loans | 2.76% | |||
| Balance Sheet |
Ciera Bank
Graham, TX |
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| Total Assets | 975.43M | |||
| Total Deposits | 854.00M | |||
| Capital and Reserves |
Ciera Bank
Graham, TX |
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| Capital | 108.27M | |||
| Leverage Ratio | 11.30 | |||
| Loan Loss Reserves to Loans | 1.62% | |||
| Risk-Based Capital Ratio | 15.07 | |||
| Liquidity |
Ciera Bank
Graham, TX |
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| Hot Money Ratio | 25.17% | |||
| Liquidity Ratio | 20.95% | |||
| Profitability |
Ciera Bank
Graham, TX |
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| 5-Year Return on Average Assets | 1.55% | |||
| Net Income | 15.74M | |||
| Net Interest Spread | 4.31% | |||
| Operating Profit to Average Assets | 1.68% | |||
| Overhead Efficiency Ratio | 58.69% | |||
| Return on Assets | 1.68% | |||
| Return on Equity | 15.25% | |||