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Bravera Bank

Dickinson, ND · Cert 22559 · Bravera Holdings Corp.

State charter, non-member · FDIC · 35 branches

Q2 2026

$3.8BAssets
$2.8BLoans
$3.3BDeposits
$398.1MEquity
Loan mix
68%RE $1.6B14%C&I $0.3B18%Consumer $0.4BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $2.9B13%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.73%Q2 ’244.98%Q2 ’255.16%Q2 ’26+13%+10%

Non-interest income vs. expense

2.42%Q2 ’242.49%Q2 ’252.53%Q2 ’26+29%+5%

Market Position · Bismarck, ND · 2026 SOD (annual) · 8.6% share · #4 of 18 inst. · $0.6B of $6.9B

36.2% Stark
10.0% Burleigh
40.3% Mountrail
61.6% Dunn

Executive Summary

  • Earnings: ROA of 1.37%, up 18 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.90% of loans (-39 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 9.73%, up 24 bps from a year ago.
  • Funding: loans stand at 83.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+31 bps YoY

Efficiency Ratio (YTD, annualized)

57.06%-240 bps YoY

Tier 1 Leverage Ratio

9.73%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.20%1.20%1.24%1.37%+18 bps
Return on Equity12.96%12.80%12.50%12.12%13.31%+34 bps
Net Interest Margin3.09%3.13%3.19%3.33%3.39%+31 bps
Efficiency Ratio59.46%58.92%59.06%58.60%57.06%-240 bps
Non-Interest Burden1.47%1.46%1.52%1.57%1.54%+7 bps
Growth
Asset Growth (YoY)5.51%7.02%12.97%11.22%12.36%+685 bps
Loan Growth (YoY)8.91%9.02%17.87%15.84%15.94%+703 bps
Deposit Growth (YoY)4.10%4.88%11.37%9.86%12.29%+818 bps
Asset Quality
Nonperforming Loans / Loans1.29%1.16%0.90%0.99%0.90%-39 bps
Net Charge-Offs / Loans0.11%0.16%0.23%0.10%-0.04%-15 bps
Allowance / Loans1.19%1.15%1.11%1.16%1.17%-2 bps
Allowance Coverage of NPLs0.9x1.0x1.2x1.2x1.3x+0.4x
Capital
Tier 1 Leverage Ratio9.49%9.62%9.69%9.73%9.73%+24 bps
Total Risk-Based Capital12.70%12.60%12.61%12.94%12.83%+13 bps
Equity / Assets9.67%9.92%10.29%10.24%10.45%+78 bps
Liquidity & Funding
Loans / Deposits80.58%83.09%81.63%78.69%83.20%+262 bps
Liquid Assets / Assets0.04%0.04%0.02%0.05%0.06%+3 bps
CRE / Total Capitaln/a238%252%248%n/an/a