Dickinson, ND · Cert 22559 · Bravera Holdings Corp.
State charter, non-member · FDIC · 35 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
39
Profitability
54
Liquidity
62
Efficiency
56
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Dickinson, ND · Cert 22559 · Bravera Holdings Corp.
State charter, non-member · FDIC · 35 branches
Q2 2026
Market Position · Bismarck, ND · 2026 SOD (annual) · 8.6% share · #4 of 18 inst. · $0.6B of $6.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.10% | 1.14% | 1.19% | 1.20% | 1.20% | 1.24% | 1.37% | +18 bps | |
| Return on Equity | 13.03% | 12.40% | 12.68% | 12.96% | 12.80% | 12.50% | 12.12% | 13.31% | +34 bps | |
| Net Interest Margin | 2.74% | 2.73% | 2.94% | 3.09% | 3.13% | 3.19% | 3.33% | 3.39% | +31 bps | |
| Efficiency Ratio | 60.16% | 60.73% | 61.53% | 59.46% | 58.92% | 59.06% | 58.60% | 57.06% | -240 bps | |
| Non-Interest Burden | 1.22% | 1.26% | 1.46% | 1.47% | 1.46% | 1.52% | 1.57% | 1.54% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.93% | 13.76% | 7.97% | 5.51% | 7.02% | 12.97% | 11.22% | 12.36% | +685 bps | |
| Loan Growth (YoY) | 33.83% | 16.08% | 9.92% | 8.91% | 9.02% | 17.87% | 15.84% | 15.94% | +703 bps | |
| Deposit Growth (YoY) | 31.45% | 12.98% | 7.88% | 4.10% | 4.88% | 11.37% | 9.86% | 12.29% | +818 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.16% | 1.15% | 1.43% | 1.29% | 1.16% | 0.90% | 0.99% | 0.90% | -39 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.19% | 0.11% | 0.16% | 0.23% | 0.10% | -0.04% | -15 bps | |
| Allowance / Loans | 1.17% | 1.19% | 1.18% | 1.19% | 1.15% | 1.11% | 1.16% | 1.17% | -2 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 0.8x | 0.9x | 1.0x | 1.2x | 1.2x | 1.3x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.29% | 9.24% | 9.28% | 9.49% | 9.62% | 9.69% | 9.73% | 9.73% | +24 bps | |
| Total Risk-Based Capital | 12.48% | 12.42% | 12.70% | 12.70% | 12.60% | 12.61% | 12.94% | 12.83% | +13 bps | |
| Equity / Assets | 9.53% | 8.87% | 9.08% | 9.67% | 9.92% | 10.29% | 10.24% | 10.45% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.93% | 77.13% | 74.63% | 80.58% | 83.09% | 81.63% | 78.69% | 83.20% | +262 bps | |
| Liquid Assets / Assets | 0.06% | 0.03% | 0.05% | 0.04% | 0.04% | 0.02% | 0.05% | 0.06% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 238% | 252% | 248% | n/a | n/a | |
Dickinson, ND · Cert 22559 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Bravera Holdings Corp.
State charter, non-member · FDIC · 35 branches
Q2 2026
Return on Assets
1.39%
Rank 64 of 176
Net Interest Margin
3.39%
Rank 110 of 176
Efficiency Ratio
58.41%
Rank 78 of 176
Equity / Assets
10.45%
Rank 84 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.93% | 1.26% | 1.54% | Beats 64% | 64 / 176 | ||
| Return on Equity | 13.26% | 9.26% | 11.89% | 14.46% | Beats 61% | 68 / 176 | ||
| Net Interest Margin | 3.39% | 3.25% | 3.59% | 3.93% | Beats 38% | 110 / 176 | ||
| Efficiency Ratio | 58.41% | 52.79% | 59.55% | 67.66% | Beats 56% | 78 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.30% | 0.64% | 1.32% | Beats 36% | 114 / 176 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 42% | 104 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.74% | 11.15% | 12.72% | 14.15% | Beats 35% | 114 / 176 | ||
| Total Risk-Based Capital Ratio | 12.83% | 11.81% | 13.63% | 15.33% | Beats 38% | 110 / 176 | ||
| Equity / Assets | 10.45% | 9.16% | 10.35% | 11.80% | Beats 52% | 84 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.20% | 80.94% | 89.73% | 97.21% | 31st pctl | 122 / 176 | ||
| Loans / Assets | 72.89% | 69.25% | 75.12% | 80.82% | 39th pctl | 107 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||