Ciera Bank is a bank based in Graham, Texas, established in 1889, with $970 million in total assets across 8 branches. By Trust Grade it ranks 116th of 349 banks we track in Texas. Its capital ratio of 11.2% is stronger than 65% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.78% return on assets. No consumer complaints against Ciera Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Ciera Bank compares to Texas peers
How we graded Ciera Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.2% capital ratio)
- Strongly profitable (ROA 1.78%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Ciera Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (8)
- 1801 Cross Timbers Rd, Flower Mound, TX 75028
- 1501 Summit Ave, Fort Worth, TX 76102
- 623 Elm St, Graham, TX 76450
- 300 West Dempsey Street, Bryson, TX 76427
- 958 S Highway 377, Aubrey, TX 76227
- 325 S Fm 1187, Aledo, TX 76008
- 321 W Oak St, Denton, TX 76201
- 116 E Renfro St, Burleson, TX 76028
Are deposits at Ciera Bank insured?
Yes. Ciera Bank is an FDIC-insured bank (FDIC certificate #3226). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Ciera Bank: frequently asked questions
Is Ciera Bank a good bank?
Ciera Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.2% capital ratio); Strongly profitable (ROA 1.78%).
Is Ciera Bank FDIC-insured?
Yes. Ciera Bank is a FDIC-insured bank (FDIC certificate #3226). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Ciera Bank?
Ciera Bank holds $970 million in total assets, ranking 116th of 349 banks we track in Texas. It operates 8 branches.
Does Ciera Bank have CFPB complaints?
No CFPB complaints against Ciera Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
