BlastPoint's Banking Scorecard
Ciera Bank
Community
Specialty: Commercial
TX
FDIC cert 3226
Graham, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Ciera Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 66% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$975.4M
+6.6% YoY
+2.2% QoQ
|
-$416.0M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$700.0M
+12.0% YoY
+0.8% QoQ
|
-$275.5M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$854.0M
+6.5% YoY
+2.4% QoQ
|
-$310.6M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.67%
-8.0% YoY
-1.5% QoQ
|
+0.50% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.35%
+7.6% YoY
+1.2% QoQ
|
+0.69% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
58.69%
-2.0% YoY
+2.4% QoQ
|
-3.94% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
1.58%
-39.2% YoY
+7.4% QoQ
|
+0.95% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
81.96%
+5.2% YoY
-1.5% QoQ
|
-1.10% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
26.59%
+1.5% YoY
+2.5% QoQ
|
+5.55% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.38%
-22.6% YoY
-23.2% QoQ
|
+0.88% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
13.82%
-1.2% YoY
+1.3% QoQ
|
+3.57% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.31%
-6.9% YoY
+0.5% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#80 of 120 · Bottom 66% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.67%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.59% · Tier avg: 21.05%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.82% · Tier avg: 10.24%
62
62th pctile
Efficiency Ratio
Current: 58.69% · Tier avg: 62.63%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.96% · Tier avg: 83.06%
51
51th pctile
Total Deposits
Current: $854.0M · Tier avg: $1.2B
49
49th pctile
Total Loans
Current: $700.0M · Tier avg: $975.5M
48
48th pctile
Total Assets
Current: $975.4M · Tier avg: $1.4B
25
25th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
14
14th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.38% · Tier avg: 0.50%
Top Weaknesses
12
12th pctile
Nonperforming Asset Ratio
Current: 1.38% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.63%
25
25th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
48
48th pctile
Total Assets
Current: $975.4M · Tier avg: $1.4B
49
49th pctile
Total Loans
Current: $700.0M · Tier avg: $975.5M
51
51th pctile
Total Deposits
Current: $854.0M · Tier avg: $1.2B
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.96% · Tier avg: 83.06%
62
62th pctile
Efficiency Ratio
Current: 58.69% · Tier avg: 62.63%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.82% · Tier avg: 10.24%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.59% · Tier avg: 21.05%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
82
82th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%