TX lenders / Community Bank
Ciera Bank
Community Bank · Graham, TX · First Graham Bcorp Inc
- Total assets
- $969.6M
- CRE loan book
- $500.4M
- QoQ CRE growth
- 2.5%
- Q1 2026
Recorded CRE activity — tarrant County
3 commercial deeds of trust recorded recently, verified from county records.
- Jun 29, 2026 · unknownundisclosed
- Jun 10, 2026 · unknownundisclosed
- Jun 10, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.86% as of Q1 2026 — TX bank median 4.87% (1.99pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.86% | 7.17% |
| Q4 2025 | 7.09% | 7.47% |
| Q3 2025 | 7.08% | 7.58% |
| Q2 2025 | 7.09% | 7.48% |
| Q1 2025 | 6.92% | 7.21% |
| Q4 2024 | 7.21% | 7.49% |
| Q3 2024 | 7.22% | 7.77% |
| Q2 2024 | 7.19% | 7.52% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $500.4M | $159.4M | $8.3M | 324% | $9.2M |
| Q4 2025 | $488.1M | $146.0M | $8.3M | 318% | $9.4M |
| Q3 2025 | $499.8M | $155.7M | $8.9M | 317% | $8.5M |
| Q2 2025 | $486.1M | $177.5M | $8.9M | 305% | $9.1M |
| Q1 2025 | $465.8M | $190.6M | $9.0M | 298% | $15.9M |
| Q4 2024 | $462.1M | $171.1M | $9.1M | 297% | $16.0M |
| Q3 2024 | $467.0M | $176.0M | $9.1M | 314% | $564,000 |
| Q2 2024 | $443.7M | $189.4M | $9.1M | 333% | $579,000 |
Ciera Bank: frequently asked questions
- How large is Ciera Bank's commercial real estate loan book?
- As of Q1 2026, Ciera Bank reported $500.4M in commercial real estate loans out of $969.6M in total assets, per its FFIEC Call Report.
- Is Ciera Bank above the 300% CRE concentration guideline?
- Ciera Bank's CRE loans stood at 324% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is Ciera Bank growing or shrinking its CRE lending?
- Ciera Bank's CRE loan book grew 2.5% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Ciera Bank in recorded CRE lending?
- 3 commercial deeds of trust naming Ciera Bank as lender have been recorded recently in tarrant County, verified from county records; the most recent was recorded Jun 29, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Citizens Tri-County BankCommunity Bank · Dunlap · $505.3M CRE book
- MountainOne BankCommunity Bank · North Adams · $506.8M CRE book
- The Farmers Bank, Frankfort, IndianaCommunity Bank · Frankfort · $493.4M CRE book
- Cass Commercial BankCommunity Bank · Des Peres · $508.8M CRE book
- Forcht Bank, National AssociationCommunity Bank · Lexington · $490.3M CRE book
Markets where Ciera Bank lends
Ciera Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.