CIERA BANK Revenue, Growth & Competitor Profile

DBA FIRST NATIONAL BANK IN GRAHAM,
DBA TEXAS

Company Profile & Annual Report for Ciera Bank

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Ciera Bank Fast Facts

Revenue	$10 - $100 million    See Exact Annual Revenue
Employees	100 - 500Exact Company Size
Primary Industry	52211 Commercial Banking
Address	P O Box 540 Graham, TX 76450 1231

Note: Revenues for privately held companies are statistical evaluations.




Ciera Bank's Annual Report & Profile shows critical firmographic facts:

• What is the company's size? (Annual sales and employees)
• What industry is the company in?

Ciera Bank Annual Revenue and Growth Rate

Ciera Bank	Revenue Est. ($ Million)	Growth Rate (%)	# Employees
2023	Details in Premium Report
2022
2021
2020
2019

1-Year Growth Rate: 3-Year Growth Rate (CAGR):

Note: Ciera Bank's revenues are gauged from an analysis of company filings.

Ciera Bank's Income Statement (based on Industry Averages)

	$ Millions (Industry Average)
Ciera Bank Revenue (Sales)
Cost of Goods Sold
Gross Profit
Operating Expenses
Advertising
Salaries and wages
Other Operating Expenses
Total Operating Expenses
Operating Income
EBITDA
EBIT (Earnings Before Interest and Taxes)
Net Profit

Recession Risk

Determine whether Ciera Bank grew or shrank during the last recession. This is useful in estimating the financial strength and credit risk of the company. Compare how recession-proof Ciera Bank is relative to the industry overall. While a new recession may strike a particular industry, measuring the industry and company's robustness during the last recession estimates its ability to weather future recessions.

Market Share of Ciera Bank's Largest Competitors

A competitive analysis shows these companies are in the same general field as Ciera Bank, even though they may not compete head-to-head. These are the largest companies by revenue. However, they may not have the largest market share in this industry if they have diversified into other business lines. The "Competition" section of a business plan or investment memorandum would start by analyzing the information about these companies. Competitive advantage comes from offering better pricing or superior products/service.

Company	Headquarters	Revenue ($ MM)
JPMORGAN CHASE BANK NATIONAL ASSOCIATION	Jersey City, NJ	100
SOUTH DAKOTA BANKERS ASSOCIATION	Pierre, SD	72
PNC FINANCIAL SERVICES GROUP	Pittsburgh, PA	20
U.S. BANCORP	Minneapolis, MN	17
TRUIST FINANCIAL	Charlotte, NC	13
MUFG BANK	New York, NY	10
TD BANK	Falmouth, ME	9
FIRST-CITIZENS BANK & TRUST	Raleigh, NC	7
FEDERAL HOME LOAN BANK OF DES MOINES	Des Moines, IA	6

Nearby Competitors

These companies are similar in business line and location to Ciera Bank. While some companies compete with neighboring businesses for customers, other companies may compete to attract skilled employees.

Company	Headquarters	Revenue ($ MM)
CIERA BANK	Graham, TX	100
FIRST NATIONAL BANK OF ALBANY/BRECKENRIDGE	Albany, TX	76
JACKSBORO NATIONAL BANK	Jacksboro, TX	40
COMMUNITY BANK 401K PS PLAN	Bridgeport, TX	38
FARMERS & MERCHANTS BANK	De Leon, TX	31
FIRST STATE BANK	Graham, TX	23

Future Competition: Ciera Bank's Fastest Growing Competitors

These companies are in the same general field as Ciera Bank and are rapidly expanding. Companies may grow organically or through acquisition. In some cases apparently high growth rates may be caused by data that weren't available in previous years.

Company	Revenue ($ MM)