Bravera Bank
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
$3.8BAssets
$2.8BLoans
$3.3BDeposits
$398.1MEquity
Executive Summary
- Strongest standing: return on assets outperforms 64% of banks $1B-$10B in assets operating regionally (rank 64 of 176).
- Widest gap: tier 1 capital ratio trails 65% of banks $1B-$10B in assets operating regionally (rank 114 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $60.1M · efficiency ratio beats 56% of banks $1B-$10B in assets operating regionally | 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 |