CIERA BANK
GRAHAM, TEXAS · FDIC Cert #3226
Capital & Safety Analysis
According to FDIC financial data, CIERA BANK holds a Tier 1 capital ratio of 13.65%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CIERA BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CIERA BANK shows strong financial health indicators. With $903M in assets and a Health Score of 91/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CIERA BANK has a Bank Health Score of A (91/100). It holds a Tier 1 capital ratio of 13.65%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CIERA BANK holds $903M in total assets and $776M in total deposits. It is located in GRAHAM, TEXAS (FDIC Certificate #3226).
CIERA BANK has a Tier 1 capital ratio of 13.65%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.10%, and the return on assets is 1.34%.
Yes. CIERA BANK is FDIC-insured (Certificate #3226). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.