Bravera Bank

Dickinson, ND · FDIC Certificate #22559 · Chartered 12/0

Total assets

$3.81B

Total deposits

$3.34B

Total equity

$398.10M

Net loans

$2.74B

Branches (offices)

Net income (YTD)

$26.40M

Rank: #349 of 4,213 U.S. banks by assets · #6 of 60 in North Dakota. Assets changed 12.4% and deposits 12.3% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.37%
Return on equity	13.31%
Net interest margin (YTD)	3.62%
Equity to assets	10.45%
Tier 1 leverage ratio	9.73%
Uninsured deposits (share of deposits)	17.6%
Noncurrent loans (share of loans)	0.90%
Net charge-offs (share of loans)	-0.04%
Loans to deposits	82.2%
Real estate loans (share of loans)	58.0%

Loan mix

Category	Amount	Share
Real estate loans	$1.59B	58.0%
Commercial & industrial	$342.82M	12.5%
Consumer / individual	$414.29M	15.1%
Construction & development	$170.87M	6.2%
Agricultural	$384.84M	14.0%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$2.33B	$2.13B	$12.62M	$176.19M
Jun 2023	$2.47B	$2.17B	$10.91M	$184.86M
Jun 2024	$3.21B	$2.86B	$19.60M	$282.76M
Jun 2025	$3.39B	$2.97B	$20.43M	$327.76M
Jun 2026	$3.81B	$3.34B	$26.40M	$398.10M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
North Dakota	$2.97B	26
Montana	$271.81M	7
Minnesota	$100.88M	2

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.34B.

Similar-sized banks

Independence Bank Of Kentucky ($3.83B) · Bank Of Utah ($3.79B)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.