Bank · FDIC insured
Ciera Bank
Top CarrotA $992.9M bank headquartered in Graham, TX, with 8 branches in Texas. Best rates: CDs 4.20% and savings 1.55% APY.
Ciera Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#19 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Ciera Bank
Founded in 1890 and headquartered in Graham, Texas, Ciera Bank was created from the merger of three banks owned and operated by First Graham Bancorp, Inc.
The bank operates eight branches across North Texas, providing personal and business banking alongside lending services extending to commercial, real estate, healthcare, and oil and gas industries.
- Headquarters
- 623 Elm St, Graham, TX 76450
- FDIC certificate
- 3226 ↗
Branches
8 branches in Texas
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Texas
8 branches
Dallas area · 6
- Aledo Branch325 S Fm 1187, Aledo, TX 76008Directions
- Aubrey Branch958 S Highway 377, Aubrey, TX 76227Directions
- Burleson Branch116 E Renfro St, Burleson, TX 76028Directions
- Denton Branch321 W Oak St, Denton, TX 76201Directions
- Flower Mound Branch1801 Cross Timbers Rd, Flower Mound, TX 75028Directions
- Fort Worth Branch1501 Summit Ave, Fort Worth, TX 76102Directions
Graham area · 1
- Ciera BankMain office623 Elm St, Graham, TX 76450Directions
Bryson area · 1
- Bryson Branch300 West Dempsey Street, Bryson, TX 76427Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.13% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.22% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.50% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio11.13%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.22%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.50%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Ciera Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.