Side-by-side · Q2 2026 data
Ciera Bank vs Graham Savings and Loan, SSB
Metric by metric
| Measure | Ciera Bank | Graham Savings and Loan, SSB |
|---|---|---|
| TellerScore | 66 | 72 (stronger) |
| Capital cushion | 61 | 67 (stronger) |
| Loan quality | 59 | 71 (stronger) |
| Earnings | 80 (stronger) | 70 |
| Funding & liquidity | 54 | 76 (stronger) |
| Problem-loan coverage | 85 | 90 (stronger) |
| Peer percentile | 31st | 50th |
| Total assets | $992.9M | $155.1M |
| Deposits / shares | $868.8M | $132.5M |
| Capital ratio | 11.13% | 11.73% (stronger) |
| Problem loans | 1.22% | 0.86% (stronger) |
| Net charge-offs | 0.22% | 0.01% (stronger) |
| Return on assets | 1.50% (stronger) | 1.24% |
| Loans ÷ deposits | 86.5% | 84.0% (stronger) |
| Uninsured deposits | 32.7% | 6.6% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | — |
Graham Savings and Loan, SSB has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Ciera Bank leads on 1 and Graham Savings and Loan, SSB on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Graham, TX