Ciera Bank
Ciera Bank is a Texas state-chartered, FDIC-insured community bank founded in 1890, operating eight branches across North Texas (headquartered in Graham) and serving consumers, small/mid-sized businesses, and specialized commercial verticals (Oil & Gas, Agriculture, CRE, SBA) with full deposit, lending, treasury, and trust services delivered via Fiserv online banking and a native mobile app.
- Company typePrivate
- Founded1890
- HeadquartersGraham, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Ciera Bank does
Ciera Bank is a state-chartered, FDIC-insured community bank headquartered at 623 Elm Street, Graham, Texas, with eight branches across North Texas (Fort Worth, Denton, Flower Mound, Aubrey, Aledo, Bryson, Burleson, Graham). The bank was formed from the merger of three predecessor banks owned and operated by First Graham Bancorp, Inc., and has operated continuously since 1890 under a unified full-service community banking model emphasizing relationship-based, locally-decided lending and deposit services.
The product portfolio spans personal deposit and loan products (checking variants including Advantage, Debit, Gold, Senior, and Student, savings, IRAs, CDs, HSAs, mortgages, home equity, auto/boat/RV loans); commercial banking (small business and commercial checking, business savings, money market, Treasury Management with Remote Deposit Capture, ACH, and Positive Pay fraud prevention); specialized commercial lending (Commercial Real Estate, Commercial Construction, C&I, Letters of Credit, Oil & Gas, Equipment, Agriculture, SBA 7(a) and 504 loans up to $5MM); and Trust & Estate services (trust administration, corporate executor, financial planning). Channel delivery rests on a Fiserv-powered online banking platform, native iOS/Android mobile apps, 24/7 voice banking, and the branch network.
Revenue is generated primarily through net interest income on the lending book (consumer mortgages, home equity, commercial real estate, construction, C&I, Oil & Gas, Agriculture, SBA, and equipment loans), ancillary deposit and treasury fees (account maintenance, overdrafts, wires, safe deposit boxes, Remote Deposit Capture, ACH, Positive Pay), and trust/estate administration fees. Go-to-market is community-led, relying on local branch presence, lender relationships in Oil & Gas (West Texas) and Agriculture verticals, civic engagement, and digital channel promotion rather than paid acquisition. Ownership sits with a single holding company (First Graham Bancorp, Inc.) with no external venture or private equity capital identified, and no publicly disclosed financials.
Ciera Bank firmographics
Firmographics- Name
- Ciera Bank
- Legal name
- Ciera Bank
- Website
- https://cierabank.com
- Company type
- Private
- Founded year
- 1890
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Ciera Bank is a Texas state-chartered, FDIC-insured community bank founded in 1890, operating eight branches across North Texas (headquartered in Graham) and serving consumers, small/mid-sized businesses, and specialized commercial verticals (Oil & Gas, Agriculture, CRE, SBA) with full deposit, lending, treasury, and trust services delivered via Fiserv online banking and a native mobile app.
- Ownership category
- akta.pro rank
Where Ciera Bank is headquartered
LocationHeadquarters
- HQ city
- Graham
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
Ciera Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from Lending: Ciera Bank generates revenue primarily through interest earned on loans including mortgages, commercial real estate loans, construction loans, auto/boat/RV loans, business loans (C&I, equipment, agriculture, oil & gas), SBA loans, and personal credit lines. The bank offers both fixed and variable rate products.
- Deposit Interest Expenses: The bank pays interest on deposits including checking accounts (some interest-bearing like Commercial Platinum), savings accounts, money market accounts, certificates of deposit (CD rates ranging from 90-day to 60-month terms), IRAs, and Health Savings Accounts (HSAs). Interest rates vary based on account type and balance tier.
- Banking Service Fees: Fee-based revenue from account services including monthly maintenance fees on checking and savings accounts (waived with minimum balances), overdraft services, wire transfer fees, safe deposit box rentals, and foreign currency transactions.
- Treasury Management Services: Revenue from commercial treasury management solutions including Remote Deposit Capture, ACH processing, Positive Pay fraud prevention, and other cash management services for business customers.
- Trust and Estate Services: Revenue from trust administration services where Ciera Bank serves as trustee, co-trustee, or agent for the trustee, as well as estate administration and executor services, and financial planning consultations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Ciera Savings - Basic savings account with interest |
| Subscription | Monthly | Ciera Money Market Savings - Higher interest savings |
| Subscription | Monthly | Ciera Small Business Checking |
| Subscription | Monthly | Ciera Commercial Checking |
| Subscription | Monthly | Ciera Commercial Platinum - Interest-bearing business checking |
| Subscription | Annual | Certificates of Deposit (90 Day to 60 Month) |
| Subscription | Monthly | Health Savings Account (HSA) |
| Other | Other | Trust and Estate Administration Services |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Ciera Bank product offering
Product offeringCore offering
Ciera Bank is a state-chartered community bank delivering full-service personal and business banking products, including deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), a broad lending portfolio (mortgage, home equity, auto/boat/RV, commercial real estate, construction, C&I, SBA, agriculture, oil & gas, equipment), trust and estate administration, treasury management, and digital banking via mobile app, online banking, and voice banking. Distribution occurs through eight branch locations across North Texas and Fiserv-powered digital channels.
Product overview
Ciera Bank is a Texas-based community bank offering a comprehensive suite of financial products and services through both traditional branch banking and digital channels. The product portfolio encompasses personal banking (checking, savings, IRAs, CDs, HSAs), business banking (commercial checking, savings, money market, CDs), lending (mortgages, construction, home equity, personal loans, commercial real estate, C&I, SBA, agriculture, oil & gas, and equipment loans), trust and estate services, and Treasury Management solutions. Digital banking is delivered via Online Banking (powered by Fiserv), Mobile Banking, and Voice Banking platforms. The bank operates eight branches across North Texas with a focus on personalized community banking services.
Differentiator
Problem solved
Functional benefit
Products and services
- Ciera Personal Checking Accounts (Advantage, Debit, Gold, Senior, Student, Money Market) A suite of personal checking accounts offering debit cards, bill payments, online banking, mobile banking, and e-Statements. Variants include Ciera Advantage, Ciera Debit, Ciera Gold (with AD&D insurance, cellular protection, roadside assistance, identity theft services), Ciera Senior, Ciera Student (fee-free until age 25), and Ciera Money Market (interest-bearing with unlimited check writing).
- Ciera Personal Savings Personal savings account earning interest with up to six withdrawals per statement cycle, available with electronic or paper statements. Minimum to open $100, $3 monthly fee if balance falls below $200.
- Individual Retirement Account (IRA) Retirement savings account available in Traditional and Roth IRA variants to help meet retirement goals.
- Certificate of Deposit (Personal CD) FDIC-insured, low-risk savings option with maturities from 90 days to five years, offering competitive interest rates (3.75% to 4.14%, APYs 3.80% to 4.20%). Minimum deposit $1,000.
- Health Savings Account (HSA) FDIC-insured, tax-exempt account for paying or reimbursing qualified medical expenses with tax deduction benefits on contributions. Minimum to open $100; interest rates 0.75% to 1.34%.
- IntraFi (CDARS & ICS) Personal Deposit Sweep Deposit network service enabling access to expanded FDIC insurance coverage (up to $250,000 per depositor) through the IntraFi Network, linking depositors to multiple FDIC-insured banks through a single banking relationship. Includes CDARS for CDs and ICS for demand deposits and money market accounts.
- Ciera Small Business Checking Business checking account with $100 minimum to open, $10 monthly service fee (waived if balance above $1,000), up to 150 checks per month included ($0.30 per check thereafter).
- Ciera Commercial Checking Business checking account with $100 minimum to open, $15 monthly fee with earnings credit based on daily Federal Funds rate, unlimited check writing.
- Ciera Commercial Platinum Checking Interest-bearing business checking account with $25,000 minimum to open, $25 monthly fee (waived if balance above $25,000), up to 25 checks per month included ($0.30 thereafter). Interest rates 0.15% to 0.25% by balance tier.
- Ciera Business Savings Business savings account earning interest on revenues while maintaining access to operating resources, with up to six withdrawals per statement cycle.
- Ciera Money Market Savings (Business) Business savings account with higher interest rates (1.00% to 3.40% APY by balance tier) and easy access to funds. Minimum to open $2,500; $10 monthly fee if balance falls below $2,500.
- Business Certificate of Deposit FDIC-insured CD for business customers with competitive rates and maturities from 90 days to five years.
- Business IntraFi Deposit Sweep Business deposit network service through IntraFi for maximum FDIC insurance coverage without opening accounts at multiple banks.
- Mortgage Loans Home loan products including conventional loans, primary or secondary home loans, jumbo loans, and residential lot purchases.
- Interim Construction & Home Improvement Loan Construction loan providing funds to build new homes with stage-based payments to builders, potentially including lot purchase price.
- Home Equity Term Loan and Home Equity Line of Credit (HELOC) Home Equity Term Loan (lump-sum installment loan) and Home Equity Line of Credit (HELOC, revolving with interest-only payments during draw period), secured by first or second lien on the borrower's home.
- Personal Line of Credit (PLOC) Revolving account with variable interest rate providing short-term flexibility for covering bills or consumer expenses.
- Auto, Boat, and RV Loans Financing options for purchasing vehicles, boats, and recreational vehicles.
- Commercial Real Estate Loan Financing for office buildings, retail, industrial, warehouse, healthcare, hospitality, religious centers, and multifamily property types.
- Commercial Construction Loan Construction financing with funds available in lump sum or draws based on project stages, with interest-only payments on outstanding amounts and permanent financing upon completion.
- Commercial & Industrial (C&I) Loan Short-term loans (one to two years) for capital expenditures or working capital, typically backed by business collateral or accounts receivable.
- Letters of Credit Standby and Commercial Letters of Credit to guarantee payments to suppliers and municipalities.
- Oil & Gas Loans Credit facilities including term notes, lines of credit, and letters of credit for oil field exploration, equipment, transportation, processing, and industry services.
- Equipment Loan Financing for commercial equipment including vehicles, trailers, aircraft, and machinery, covering up to 90% of new equipment and 70% of used equipment costs.
- Agriculture Loan Financing for ag land purchase, livestock, working capital, and equipment for farmers and ranchers.
- Small Business Administration (SBA) Loan SBA 7(A) and 504 loans with longer repayment terms (up to 25 years for real estate, 10 years for equipment), lower equity requirements up to 90%, and loans up to $5 million.
- Personal Trust & Estate Planning Services Trust administration, estate administration, and financial planning services including serving as trustee, co-trustee, or agent for trustee.
- Estate Administration & Corporate Executor Services Estate settlement services with experienced trust officers to guide estates through the probate process, with Ciera Bank serving as corporate executor.
- Financial Planning & Cash Management Consultation Financial planning consultation for college education, home purchases, retirement savings, and comprehensive estate plans.
- Online Banking & Bill Pay Digital banking platform enabling balance verification, deposit viewing, check imaging, online statements, email alerts, bill payment with scheduling options, and Zelle peer-to-peer payments.
- Mobile Banking Mobile application for account access, balance checking, account activity viewing, bill payment, fund transfers, mobile check deposit, and security alerts, available on iOS and Android.
- Voice Banking Phone-based banking service via toll-free number (855-482-6897) for balance inquiries, deposit and withdrawal history, check clearance verification, loan payments, and fund transfers.
- Debit & ATM Cards Visa debit cards with chip technology for ATM withdrawals and purchases anywhere Visa is accepted, with enhanced fraud protection.
- Wire Transfer Services Electronic fund transfer services for both domestic and international wire transfers.
- ACH Services Electronic payment processing through the Automated Clearing House network for direct deposits, bill payments, and recurring transfers.
- Safe Deposit Boxes Secure storage for important documents and valuables, available in multiple sizes at Graham, Bryson, Flower Mound, and Fort Worth locations.
- Foreign Currency Services Purchase and selling of foreign currencies through bank representatives.
- Treasury Management Solutions Business financial management solutions including Remote Deposit Capture, ACH processing, and Positive Pay fraud prevention for commercial customers.
- Remote Deposit Capture Service enabling treasury customers to securely transmit checks for deposit remotely from any physical location, improving fund timing and availability.
- Positive Pay Fraud Prevention Fraud prevention service that verifies checks presented for payment against a list of issued checks provided by the business, flagging discrepancies for review.
Companies that use Ciera Bank
Customer profileSegments4 records
Ideal customer profiles4 records
Ciera Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
Ciera Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- IntraFi NetworkcoreIntraFi Network (formerly Insured Cash Sweep) is a shared network linking financial institutions of all sizes, allowing depositors to place money at multiple banks ensuring maximum FDIC insurance coverage (up to $250,000 per depositor) through one banking relationship. Ciera Bank offers both CDARS (Certificate of Deposit Account Registry Service) for CDs and ICS (Insured Cash Sweep) for demand deposits and money market accounts. This partnership allows businesses to access expanded FDIC coverage without managing multiple banking relationships.
- FiservcoreFiserv provides the Online Banking platform powering Ciera Bank's digital banking services. The platform enables real-time balances, account management, transfers, bill pay, mobile check deposit, Zelle payments, card management, branch/ATM location services, and alerts. Fiserv acts as a service provider on behalf of Ciera Bank.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Ciera Bank competitors and assessment
Company assessmentDirect peers
- Legend Bank: Texas-based community bank with multiple North Texas branches offering comparable deposit, lending, and treasury management products. Closely aligned with Ciera Bank on community-led GTM and small-to-mid-market business banking focus.
- Veritex Community Bank: Dallas-headquartered community bank providing full-service personal and business banking, treasury management, and commercial lending across North Texas. Directly comparable to Ciera's product set and regional focus.
- PointBank: Independent Texas community bank serving North Texas communities with personal banking, commercial lending, and treasury services. Closely comparable in scale, community-banking model, and geographic focus to Ciera Bank.
- Pioneer Bank: Texas community bank with a multi-branch network offering personal, business, and agricultural lending. Similar community-banking orientation and product breadth as Ciera Bank across smaller Texas markets.
Broad incumbents
- Comerica: Dallas-headquartered major commercial bank with extensive Texas business banking, treasury management, and middle-market lending. Major broad incumbent competitor in Ciera's core North Texas territory.
- Charles Schwab Bank: Large digital-first bank offering competitive deposit products and wealth management services, competing for community bank deposit and brokerage customers, particularly in the digital banking segment where Ciera's Fiserv-powered platform operates.
- Cadence Bank: Regional bank with substantial Texas presence offering full banking services including commercial lending, treasury management, energy banking, and consumer banking. Larger incumbent that competes for similar business customers.
- Frost Bank: Major Texas-based regional bank with a broad retail, commercial, and treasury management franchise across the state. Larger-scale incumbent that competes directly with Ciera in North Texas consumer and business banking.
- Texas Capital Bank: Texas-based commercial bank with strong business banking, treasury management, and CRE lending focus across major Texas metros including Dallas-Fort Worth. Broad incumbent competitor overlapping with Ciera's commercial franchise.
- BOK Financial: Large regional bank with significant Texas operations offering commercial banking, treasury services, energy lending, and wealth management. Major incumbent overlapping with Ciera across commercial and energy-exposed segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Ciera Bank social profiles
Digital presenceCiera Bank compliance and trust
Trust signalCompliance4 records
Ciera Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ciera Bank leadership team
Management profileNumber of profiles
Ciera Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ciera Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ciera Bank
What does Ciera Bank do?
Ciera Bank is a state-chartered community bank delivering full-service personal and business banking products, including deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), a broad lending portfolio (mortgage, home equity, auto/boat/RV, commercial real estate, construction, C&I, SBA, agriculture, oil & gas, equipment), trust and estate administration, treasury management, and digital banking via mobile app, online banking, and voice banking. Distribution occurs through eight branch locations across North Texas and Fiserv-powered digital channels.
Is Ciera Bank a public or private company?
Ciera Bank is a private company. It is classified as corporate owned and is currently operating.
When was Ciera Bank founded?
Ciera Bank was founded in 1890. It employs 11 to 50 people.
Where is Ciera Bank based?
Ciera Bank is headquartered in Graham, United States, in the North America region.
How does Ciera Bank make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Interest Expenses, banking Service Fees, treasury Management Services and trust and Estate Services.
Who are Ciera Bank's main competitors?
Direct peers on record are Legend Bank, Veritex Community Bank, PointBank and Pioneer Bank. Broad incumbents are Comerica, Charles Schwab Bank, Cadence Bank, Frost Bank, Texas Capital Bank and BOK Financial.
Does Ciera Bank have an API?
No public API is recorded for Ciera Bank.