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Grow With Us

With you. For you. Since 1890

As a community bank, we take pride in our relationship-based business model that’s focused on building long-term trust with our customers. After all, we live in your community too, and your success is our success. We recognize the failure of several large banks outside of Texas. Ciera Bank remains well-capitalized and well-positioned to serve our customers and community for generations to come. As a community bank customer, you have access to our experienced team, and we are ready to assist you with any of your questions or concerns. If you have questions about your FDIC insurance coverage or would like to learn more about how it works, we encourage you to give us a call directly at 940-549-2040.

Your Goals. Our Mission.

See how we can help you achieve.

Competitive Rates

View current rates on a variety of Ciera products.

Download Rate Sheet

Feature 1


In the market for a home? Looking to refinance?

Ciera Bank has competitive mortgage and refinance rates that will have you closing in no time. Get prequalified for a mortgage loan today.

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Feature 2

Checking Accounts

Real checking for real people.

No matter your exacting requirements, Ciera Bank has the perfect checking solution for your everyday banking needs. Enjoy added convenience and accessibility with Online and Mobile Banking.

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Feature 3

Savings Accounts

Earn interest while keeping your money handy.

Ciera Bank’s Standard Savings gives you the accessibility you need for everyday purchases, while also earning interest on your deposits. Find the Ciera Bank savings option best for you.

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Feature 4


Trust Services for Every Need

Ciera Bank’s full-service Trust Department can help with trust administration, estate settlement, escrow services, retirement plan administration, cash management services, financial planning consultations and more. Let us walk you through.

*Trust assets are not insured by the FDIC. 

Learn More Trust Login

Feature 5

Safety Deposit Box

Looking for a place to store important documents and other valuables?

A safe deposit box offers a convenient and affordable way to do just that. Ciera Bank not only provides the secure environment, but also a variety of sizes to fit virtually any need. Available in select locations.

*Contents in Safe Deposit Boxes are not insured by the FDIC. 

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PPP Flags

Paycheck Protection Program (PPP)

We recognize that you and your small business are the lifeblood of our communities. As your valued partner, Ciera Bank looks forward to serving your small business needs by participating in the new round of Paycheck Protection Program funding.

Please contact your banker or local branch if you are interested in either a first or second draw PPP loan.

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Feature 7

Treasury Management

Streamline your Payments and Collections

From cash management to accounts payables and receivables, our comprehensive tools and procedures not only help position businesses for operational success, but also improve overall cash flow and returns on excess capital. Let’s talk.

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Ciera Business Services

Ciera Bank has got you covered. We not only cover the basics like checking and savings, but also have a wide range of banking services from Treasury Management to World Currencies. How can we help your business?

Service Options

Community Events



Graham Christmas Stroll

December 1st, 2022

Location: Graham Downtown Square.

Features: Lighted Christmas Parade, late night shopping, and refreshments. 

Other Events



What will I need to open an account?

You will need documentation verifying legal name, permanent street address, Social Security number or Tax Identification Number (TIN), and date of Birth. Examples of accepted forms of Identification: Drivers licenses, state-issued ID, or valid passport.

Customer Service

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