| Weiss Ratings |
Ciera Bank
Graham, TX |
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| Rating | ||||
| Asset Quality Index | 3.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.50 | |||
| Profitability Index | 7.40 | |||
| Stability Index | 9.10 | |||
| 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 | 4.88% | |||
| 5-Year Asset Growth | 4.65% | |||
| 5-Year Charge-Offs to Average Loans | -0.02% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 1.61% | |||
| Non-Performing Loans to Capital | 9.00% | |||
| Non-Performing Loans to Loans | 2.16% | |||
| Balance Sheet |
Ciera Bank
Graham, TX |
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| Total Assets | 969.58M | |||
| Total Deposits | 848.35M | |||
| Capital and Reserves |
Ciera Bank
Graham, TX |
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| Capital | 109.03M | |||
| Leverage Ratio | 11.52 | |||
| Loan Loss Reserves to Loans | 1.56% | |||
| Risk-Based Capital Ratio | 15.29 | |||
| Liquidity |
Ciera Bank
Graham, TX |
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| Hot Money Ratio | 24.18% | |||
| Liquidity Ratio | 19.52% | |||
| Profitability |
Ciera Bank
Graham, TX |
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| 5-Year Return on Average Assets | 1.60% | |||
| Net Income | 4.32M | |||
| Net Interest Spread | 4.25% | |||
| Operating Profit to Average Assets | 1.81% | |||
| Overhead Efficiency Ratio | 61.84% | |||
| Return on Assets | 1.81% | |||
| Return on Equity | 15.92% | |||