The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 66).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Texas

Yes. Ciera Bank is an FDIC-insured institution (FDIC certificate #3226). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.7% of deposits ($284.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.62% (benchmark: 10%).

Check how much of your own balance is covered

Ciera Bank lists 8 offices in 8 cities. Most locations:

• Aledo, TX (1)
• Aubrey, TX (1)
• Bryson, TX (1)
• Burleson, TX (1)
• Denton, TX (1)
• Flower Mound, TX (1)
• Fort Worth, TX (1)
• Graham, TX (1)

All branch addresses and map

In 2025, Ciera Bank reported 60 home-loan applications under HMDA (LEI 549300QQT0E10LWS3326): 40 originated ($16,810,000 total), 7 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Ciera Bank

Former names

First National Bank in Graham

Type

State-chartered bank (Fed member)

FDIC certificate #

3226

RSSD ID

327855

Primary regulator

FED

Holding company

First Graham Bcorp Inc

Established

October 10, 1889

Headquarters

623 Elm St, Graham, TX 76450

Website

www.cierabank.com

Employees

129