Is Ciera Bank Safe?
Ciera Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is loan quality (98/100), while profitability is its weakest area (74/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.65% | 90/100 |
| Nonperforming Loan Ratio | 0.10% | 98/100 |
| Liquidity Ratio | 27.58% | 90/100 |
| Return on Assets | 1.34% | 74/100 |
| Total Assets | $0.9B | |
How does Ciera Bank compare?
With a Bank Health Score of 91/100, Ciera Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Ciera Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 13.65% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.10% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Ciera Bank's Bank Health Score fell by 5.0 points to 91/100. Tier 1 capital strengthened by 0.22 percentage points to 13.65%. Quarter-over-quarter, the score rose by 2.0 points.
Ciera Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is loan quality (98/100), while profitability is its weakest area (74/100).