| Weiss Ratings |
Ciera Bank
Graham, TX |
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| Rating | ||||
| Asset Quality Index | 3.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.00 | |||
| Profitability Index | 4.60 | |||
| 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 | 4.92% | |||
| 5-Year Asset Growth | 4.65% | |||
| 5-Year Charge-Offs to Average Loans | -0.02% | |||
| Charge-Offs to Average Loans | 0.22% | |||
| Non-Performing Assets to Assets | 1.81% | |||
| Non-Performing Loans to Capital | 11.13% | |||
| Non-Performing Loans to Loans | 2.35% | |||
| Balance Sheet |
Ciera Bank
Graham, TX |
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| Total Assets | 992.92M | |||
| Total Deposits | 868.79M | |||
| Capital and Reserves |
Ciera Bank
Graham, TX |
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| Capital | 110.94M | |||
| Leverage Ratio | 11.13 | |||
| Loan Loss Reserves to Loans | 1.62% | |||
| Risk-Based Capital Ratio | 14.62 | |||
| Liquidity |
Ciera Bank
Graham, TX |
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| Hot Money Ratio | 25.25% | |||
| Liquidity Ratio | 16.72% | |||
| Profitability |
Ciera Bank
Graham, TX |
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| 5-Year Return on Average Assets | 1.60% | |||
| Net Income | 7.35M | |||
| Net Interest Spread | 4.43% | |||
| Operating Profit to Average Assets | 1.51% | |||
| Overhead Efficiency Ratio | 58.34% | |||
| Return on Assets | 1.51% | |||
| Return on Equity | 13.44% | |||