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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 $0.4BQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $2.9B13%Noninterest $0.4BQ3 2024Q2 2026

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 1.50%, up 26 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.90% of loans (-39 bps YoY), with net recoveries of 0.18%.
  • 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.

Return on Assets (quarter, annualized)

1.50%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+26 bps YoY

Efficiency Ratio (quarter, annualized)

55.55%-192 bps YoY

Tier 1 Leverage Ratio

9.73%+24 bps YoY

NIM

4.82%Q2 ’245.10%Q2 ’255.24%Q2 ’26+16%+8%

Non-interest income vs. expense

2.36%Q2 ’242.45%Q2 ’252.49%Q2 ’26+7%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.95%1.14%1.24%1.23%1.22%1.24%1.50%+26 bps
Return on Equity10.78%10.37%12.68%13.19%12.51%12.09%12.12%14.47%+128 bps
Net Interest Margin2.81%2.96%2.94%3.21%3.24%4.17%3.33%3.47%+26 bps
Efficiency Ratio62.70%62.36%61.53%57.47%57.93%59.35%58.60%55.55%-192 bps
Non-Interest Burden1.41%1.51%1.46%1.48%1.46%2.09%1.57%1.52%+4 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 / Loans1.16%1.15%1.43%1.29%1.16%0.90%0.99%0.90%-39 bps
Net Charge-Offs / Loans0.08%0.07%0.19%0.03%0.28%0.48%0.10%-0.18%-21 bps
Allowance / Loans1.17%1.19%1.18%1.19%1.15%1.11%1.16%1.17%-2 bps
Allowance Coverage of NPLs1.0x1.0x0.8x0.9x1.0x1.2x1.2x1.3x+0.4x
Capital
Tier 1 Leverage Ratio9.29%9.24%9.28%9.49%9.62%9.69%9.73%9.73%+24 bps
Total Risk-Based Capital12.48%12.42%12.70%12.70%12.60%12.61%12.94%12.83%+13 bps
Equity / Assets9.53%8.87%9.08%9.67%9.92%10.29%10.24%10.45%+78 bps
Liquidity & Funding
Loans / Deposits79.93%77.13%74.63%80.58%83.09%81.63%78.69%83.20%+262 bps
Liquid Assets / Assets0.06%0.03%0.05%0.04%0.04%0.02%0.05%0.06%+3 bps
CRE / Total Capitaln/an/an/an/a238%252%248%n/an/a