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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Ciera Bank

Graham, Texas · $993M in assets · beside the 11 other Texas banks between $300M and $1B

The filing

56.1%
CRE / loans
11th of 12
355.6%
CRE / capital
11th of 12
11.2%
Equity / assets
3rd of 12

Ciera Bank is the largest of the 12 Texas banks nearest its size between $300M and $1B, with $993M in assets at 30 June 2026. Loans are 87.9% of deposits, 9th of 12 against a median of 81.6%, and equity is 11.2% of assets, 3rd of 12. Loans grew +13.1% in the year, 4th of 12, and deposits grew 4.8%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 1.22% of the book, 9th of 12 against a median of 0.50%; 0.54% is 30 to 89 days past due, and the allowance covers them 1.3 times. Net charge-offs are 0.21% of loans, 10th of 12. Commercial real estate is 56.1% of loans, 11th of 12 against a median of 39.8%, and 356% of capital, above the 300% screen, with construction at 150% against the 100% screen.

Return on assets is 1.48%, 5th of 12 against a median of 1.39%, on an efficiency ratio of 58.3%, 5th of 12. Five years ago it was 1.60%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 14.6% of loans).

Commercial real estate, share of loansTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 39.8% TB Transpecos Banks SSB 9.4% TP Tolleson Private Bank 11.5% RT Round Top State Bank 29.4% WB Western Bank 29.9% TH Texas Heritage National Bank 36.1% FN First National Bank of Granbury 37.4% TB Titan Bank N A 42.2% FN First National Bank & Trust Co. of Weatherford 43.6% HB Hometown Bank National Association 48.4% NN Newfirst National Bank 50.4% CB Ciera Bank 56.1% TB Texas Bank 56.4%
Loans, year over yearTX banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.7% TB Titan Bank N A +24.1% WB Western Bank +18.2% TB Transpecos Banks SSB +17.2% CB Ciera Bank +13.1% HB Hometown Bank National Association +7.1% FN First National Bank of Granbury +6.2% TB Texas Bank +5.1% RT Round Top State Bank +4.1% TP Tolleson Private Bank +1.0% NN Newfirst National Bank -1.5% TH Texas Heritage National Bank -2.6% FN First National Bank & Trust Co. of Weatherford -19.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Ciera BankRankCohort median
Total CRE against capital, the 300% screen356%11th of 12241%
Construction against capital, the 100% screen150%11th of 1284%
Construction and land development, share of loans23.7%11th of 1214.3%
Non-owner-occupied nonfarm nonresidential, share of loans31.4%11th of 1218.2%
Total CRE, the guidance definition, share of loans56.1%11th of 1239.8%
CRE growth over 36 months, the third prong+19.2%7th of 12+16.5%
Commercial real estate against capital, the 300% screenTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 241% TB Transpecos Banks SSB 88% TP Tolleson Private Bank 93% TB Titan Bank N A 142% RT Round Top State Bank 148% FN First National Bank of Granbury 172% FN First National Bank & Trust Co. of Weatherford 215% WB Western Bank 266% TH Texas Heritage National Bank 276% HB Hometown Bank National Association 281% NN Newfirst National Bank 300% CB Ciera Bank 356% TB Texas Bank 389%
CRE growth over 36 months, the guidance's third prongTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +16.5% TP Tolleson Private Bank -42.9% FN First National Bank & Trust Co. of Weatherford -30.4% TB Transpecos Banks SSB -30.0% RT Round Top State Bank -2.6% NN Newfirst National Bank +6.3% TB Texas Bank +13.9% CB Ciera Bank +19.2% HB Hometown Bank National Association +37.0% FN First National Bank of Granbury +41.6% TB Titan Bank N A +49.2% WB Western Bank +49.6% TH Texas Heritage National Bank +138.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ciera Bank$993M1.5%58.3%1.22%0.21%1.6%87.9%11.2%
Hometown Bank National Association$990M1.1%59.3%0.04%0.01%1.1%78.3%9.5%
Tolleson Private Bank$982M1.6%61.1%0.00%0.00%1.0%88.6%8.7%
Round Top State Bank$974M1.2%50.1%0.36%0.00%0.9%68.9%10.4%
Transpecos Banks SSB$972M-1.6%146.4%8.15%0.00%1.0%75.6%6.7%
First National Bank & Trust Co. of Weatherford$968M0.5%88.4%5.51%0.28%1.3%57.3%9.9%
Texas Bank$954M1.2%64.9%0.46%0.52%1.1%84.9%10.6%
Western Bank$947M1.9%62.9%0.31%0.00%1.2%97.0%8.9%
First National Bank of Granbury$946M1.3%58.1%0.78%0.01%1.2%63.6%11.1%
Texas Heritage National Bank$936M1.4%63.6%1.27%0.04%1.3%99.0%10.1%
Newfirst National Bank$935M3.3%39.5%0.21%0.01%1.4%85.8%12.4%
Titan Bank N A$896M7.3%11.8%0.54%0.00%1.2%54.4%12.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Ciera BankCohort median
20212026Change20212026Change
Loans$549M$764M+39%$447M$697M+56%
Deposits$740M$869M+17%$717M$846M+18%
NPA / loans0.65%1.22%+0.57 pts0.37%0.50%+0.13 pts
Efficiency54.8%58.3%+3.6 pts57.8%60.2%+2.4 pts
ROA1.60%1.48%-0.13 pts1.48%1.39%-0.09 pts

This read was prepared for Ciera Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Ciera Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $300M to $1B
Institution www.cierabank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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