Vitals
  • Total Assets
    510.2M -0.9 %
  • Total Deposits
    428.7M 5.2 %
  • Total Net Loans
    398.6M 5.9 %
  • Net Income
    10.5M 15.9 %
  • Book Value
    67.5M 1.8 %
  • Book Value x2
    135.0M 1.8 %
  • Book Value x3
    202.5M 1.8 %
ROAA

2.05

ROAE

15.537

Efficiency Ratio

53.415

Net Interest Margin

4.725

Balance Sheet Highlights
Financial Highlights Ciera Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 510,182 358,087
Total Net Loans 398,633 213,533
Total Deposits 428,684 308,027
Total Equity 67,485 38,740
Profitability
Net Income 10,483 3,845
Return on Average Assets 2.05 1.025
Return on Average Equity 15.537 9.415
Net Interest Margin 4.725 3.773
Efficiency Ratio 53.415 66.762
Noninterest Income/Revenue 10.312 16.375
Balance Sheet Ratios
Loan-to-Deposit 92.99 65.494
Securities/Assets .092 .214
Total Equity/Total Assets .132 .108
Tangible Equity/Tangible Assets .121 .104
Capital Adequacy
Tier 1 Common Capital 61,307 37,278
Tier 1 Capital 61,307 37,303
Tier 2 Capital 5,573 2,526
Total Capital 66,880 39,866
Total Risk Weighted Assets 443,568 237,367
Leverage Ratio 11.96 10.563
Common Equity Tier 1 Capital Ratio 13.82 18.073
Tier 1 Capital Ratio 13.82 18.097
Total Capital Ratio 15.08 19.169

Timeline for Ciera Bank

First Security Bank, National Association

Acquisition: Ciera Bank acquired a new subsidiary, First Security Bank, National Association, 10 years

View Profile Dec 07 2013

West Side Bank And Trust

Acquisition: Ciera Bank acquired a new subsidiary, West Side Bank And Trust, 10 years

View Profile Dec 07 2013

First Graham Securities, Inc.

First Graham Securities, Inc. became a new subsidiary organization for Ciera Bank.

View Profile Dec 02 1998

First Graham Delaware Corporation

First Graham Delaware Corporation became a new parent organization for Ciera Bank.

View Profile Feb 22 1991

First Graham Bancorp, Inc.

First Graham Bancorp, Inc. became a new parent organization for Ciera Bank.

View Profile Jan 31 1983

Want to see more?

Complete timeline for Ciera Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Security Bank, National Association Seller 173,232 Pooling of Interests Discontinued 12/7/2013
West Side Bank And Trust Seller 62,954 Pooling of Interests Discontinued 12/7/2013
Relationships Role Relationship Start Relationship End
First Graham Bancorp, Inc. Parent 6/28/2013
First Graham Delaware Corporation Parent 2/22/1991 6/27/2013
First Graham Bancorp, Inc. Parent 1/31/1983 2/21/1991
First Graham Securities, Inc. Subsidary 12/2/1998 4/6/2000
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