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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.23% | 1.22% | 1.24% | 1.50% | +26 bps | |
| Return on Equity | 13.19% | 12.51% | 12.09% | 12.12% | 14.47% | +128 bps | |
| Net Interest Margin | 3.21% | 3.24% | 4.17% | 3.33% | 3.47% | +26 bps | |
| Efficiency Ratio | 57.47% | 57.93% | 59.35% | 58.60% | 55.55% | -192 bps | |
| Non-Interest Burden | 1.48% | 1.46% | 2.09% | 1.57% | 1.52% | +4 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 / Loans | 1.29% | 1.16% | 0.90% | 0.99% | 0.90% | -39 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.28% | 0.48% | 0.10% | -0.18% | -21 bps | |
| Allowance / Loans | 1.19% | 1.15% | 1.11% | 1.16% | 1.17% | -2 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 1.2x | 1.2x | 1.3x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.49% | 9.62% | 9.69% | 9.73% | 9.73% | +24 bps | |
| Total Risk-Based Capital | 12.70% | 12.60% | 12.61% | 12.94% | 12.83% | +13 bps | |
| Equity / Assets | 9.67% | 9.92% | 10.29% | 10.24% | 10.45% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.58% | 83.09% | 81.63% | 78.69% | 83.20% | +262 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.02% | 0.05% | 0.06% | +3 bps | |
| CRE / Total Capital | n/a | 238% | 252% | 248% | n/a | n/a | |