Side-by-side · Q2 2026 data
Ciera Bank vs First State Bank
Metric by metric
| Measure | Ciera Bank | First State Bank |
|---|---|---|
| TellerScore | 66 | 81 (stronger) |
| Capital cushion | 61 (stronger) | 51 |
| Loan quality | 59 | 100 (stronger) |
| Earnings | 80 | 81 (stronger) |
| Funding & liquidity | 54 | 97 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 31st | 80th |
| Total assets | $992.9M | $308.8M |
| Deposits / shares | $868.8M | $275.9M |
| Capital ratio | 11.13% (stronger) | 10.08% |
| Problem loans | 1.22% | 0.00% (stronger) |
| Net charge-offs | 0.22% | 0.00% (stronger) |
| Return on assets | 1.50% | 1.52% (stronger) |
| Loans ÷ deposits | 86.5% | 60.5% (stronger) |
| Uninsured deposits | 32.7% | 17.9% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | — |
First State Bank has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Ciera Bank leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Graham, TX