| Weiss Ratings |
Ciera Bank
Graham, TX |
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| Rating | ||||
| Asset Quality Index | 2.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.10 | |||
| Profitability Index | 8.00 | |||
| 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 | -0.82% | |||
| 5-Year Asset Growth | 8.95% | |||
| 5-Year Charge-Offs to Average Loans | -0.03% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 3.87% | |||
| Non-Performing Loans to Capital | 15.68% | |||
| Non-Performing Loans to Loans | 5.52% | |||
| Balance Sheet |
Ciera Bank
Graham, TX |
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| Total Assets | 924.50M | |||
| Total Deposits | 811.18M | |||
| Capital and Reserves |
Ciera Bank
Graham, TX |
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| Capital | 100.63M | |||
| Leverage Ratio | 11.17 | |||
| Loan Loss Reserves to Loans | 1.56% | |||
| Risk-Based Capital Ratio | 15.52 | |||
| Liquidity |
Ciera Bank
Graham, TX |
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| Hot Money Ratio | 24.32% | |||
| Liquidity Ratio | 23.86% | |||
| Profitability |
Ciera Bank
Graham, TX |
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| 5-Year Return on Average Assets | 1.55% | |||
| Net Income | 4.16M | |||
| Net Interest Spread | 3.97% | |||
| Operating Profit to Average Assets | 1.81% | |||
| Overhead Efficiency Ratio | 59.79% | |||
| Return on Assets | 1.81% | |||
| Return on Equity | 16.70% | |||