Bravera Bank
Bravera Bank reported total assets of $3.9 bn at Q1 2026, the latest verified quarter, up 11.2% from a year earlier. Its common equity tier 1 ratio was 11.74% at Q2 2026. Total assets for Q2 2026 is withheld until the FDIC and FFIEC figures agree. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Return on equity (ROE): up 1.19 pp on Q1 2026, to 13.31%
- Net loans and leases: up 3.6% on Q1 2026, to $2.7 bn
- Total deposits: down 2.0% on Q1 2026, to $3.3 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Bravera Bank?
Its largest one-quarter change in total assets since Q1 2016 was +18.3% between Q3 2023 and Q4 2023, when it absorbed United Community Bank of North Dakota. By return on equity (ROE) it moved from 235th to 195th among 500 banks between Q1 2026 and Q2 2026 (1 = highest).
How large is Bravera Bank?
At Q1 2026, the latest verified quarter, the bank held $3.9 bn of assets. Deposits were $3.4 bn and net loans and leases $2.6 bn, a loan-to-deposit ratio of 77.77%. Securities of $818.5 mn made up 21.1% of assets.
Total assets rose 200.6% between Q1 2016 and Q1 2026, from $1.3 bn.
How much of its funding is uninsured?
An estimated 17.55% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.16 pp from the previous quarter and -2.56 pp from a year earlier. That share ranks 433rd among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $3.9 bn (Q1 2026) | +11.2% | 341st of 506 |
| Total deposits | $3.3 bn | +12.3% | 333rd of 499 |
| Net loans and leases | $2.7 bn | +16.0% | 337th of 500 |
| Bank equity capital | $397.9 mn (Q1 2026) | +25.5% | 367th of 506 |
| Common equity tier 1 (CET1) ratio | 11.74% | +0.13 pp | 368th of 448 |
| Tier 1 leverage ratio | 9.73% | +0.24 pp | 337th of 500 |
| Return on equity (ROE) | 13.31% | +0.35 pp | 195th of 500 |
| Net interest margin | 3.62% | +0.31 pp | 259th of 500 |
| Uninsured share of domestic deposits | 17.55% | -2.56 pp | 433rd of 500 |
| Noncurrent loans to total loans | 0.90% | -0.39 pp | 340th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.04% | -0.15 pp | 10th of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest. A quarter in brackets marks the latest verified quarter: the Q2 2026 figure is withheld until the FDIC and FFIEC figures agree.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the mergers and acquisitions listed under Mergers and acquisitions.
- Total assets $3.9bn
- Deposits $3.3bn
- Net loans $2.7bn
Capital and securities
The common equity tier 1 (CET1) ratio was 11.74% at Q2 2026, +0.13 pp from a year earlier. Since Q1 2016 it has ranged from 10.92% (Q2 2016) to 12.18% (Q1 2016). At Q2 2026 the tier 1 leverage ratio was 9.73% and the total risk-based capital ratio 12.83%. The median CET1 ratio of the size peers listed below was 12.57% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $35.0 mn at Q2 2026; the loss narrowed by $8.6 mn from a year earlier.
Capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.7%
Unrealized gains and losses on securities
- Available for sale -$35mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 13.31% for the year to Q2 2026, annualized, with a return on assets of 1.37% and a net interest margin of 3.62%. The margin was +0.31 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 57.06%. The median return on equity of its size peers was 13.66% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.90% of total loans at Q2 2026. Net charge-offs for the year to date were -0.04% of average loans, annualized.
Profitability
- Return on equity 13%
- Net interest margin 3.6%
- Return on assets 1.4%
Compared with banks of similar size
The six banks ranked closest to Bravera Bank by total assets at Q1 2026, the latest verified quarter, three above and three below where possible.
Among the seven banks in the table at Q1 2026, Bravera Bank is 4th by total assets. Its CET1 ratio of 11.88% compares with a peer median of 12.53%, its tier 1 leverage ratio of 9.73% compares with a peer median of 9.37%, and its return on equity of 12.12% compares with a peer median of 13.72%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| River Bank & Trust | $3.9 bn | 12.53% | 17.19% | 43.13% | |
| Bank of Marin | $3.9 bn | 13.17% | 9.33% | 36.98% | |
| Commercial Bank of California | $3.9 bn | 11.50% | 14.38% | 59.44% | |
| Bravera Bank | $3.9 bn | 11.88% | 12.12% | 17.40% | |
| Investar Bank | $3.9 bn | 13.11% | 14.09% | 35.89% | |
| Security Bank of Kansas City | $3.8 bn | not reported | 12.05% | 35.23% | |
| Carrollton Bank | $3.8 bn | 9.75% | 13.36% | 53.03% | |
Q1 2026. Peer median (the six banks, excluding this one): CET1 12.53%, return on equity 13.72%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Bravera Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, deposits rose 17.4% to $3.3 bn. Over the same period its full-time equivalent staff went from 455 to 507 and its offices went from 30 to 35.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.2 bn | $3.4 bn | $3.5 bn | $3.4 bn | $3.5 bn | $3.8 bn | $3.9 bn | withheld |
| Total deposits | $2.8 bn | $3.0 bn | $3.1 bn | $3.0 bn | $3.0 bn | $3.4 bn | $3.4 bn | $3.3 bn |
| Bank equity capital | $307.5 mn | $300.8 mn | $317.2 mn | $327.8 mn | $342.3 mn | $394.6 mn | $397.9 mn | withheld |
| Common equity tier 1 (CET1) ratio | 11.40% | 11.33% | 11.63% | 11.61% | 11.53% | 11.57% | 11.88% | 11.74% |
| Return on equity (ROE) | 12.75% | 12.19% | 12.68% | 12.96% | 12.80% | 11.50% | 12.12% | 13.31% |
| Uninsured share of domestic deposits | 24.80% | 22.67% | 21.20% | 20.11% | 19.46% | 18.06% | 17.40% | 17.55% |
| Full-time equivalent employees | 455 | 458 | 467 | 472 | 476 | 525 | 501 | 507 |
| Number of offices | 30 | 31 | 31 | 31 | 31 | 34 | 35 | 35 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Absorbed Prairie Mountain Bank (FDIC certificate 57453).
- . Absorbed Beartooth Bank (FDIC certificate 58199).
- . Absorbed The Citizens State Bank of Finley (FDIC certificate 16187).
- . Absorbed United Community Bank of North Dakota (FDIC certificate 10249).
- . Absorbed Financial Security Bank (FDIC certificate 10176).
- . Absorbed VISIONBank (FDIC certificate 57892).
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 22559
- Federal Reserve RSSD ID
- 971959
- Head office
- Dickinson, North Dakota
- Holding company
- BRAVERA HOLDINGS CORP (as reported to the FDIC)
- Holding company RSSD ID
- 1133781
- EconoMonitor ID
- EMB-US-000504
Frequently asked questions
What were Bravera Bank's total assets?
$3.9 bn at Q1 2026, the latest verified quarter, according to its Call Report as published by the FDIC. By total assets it ranks 341st among 506 banks reporting this metric (1 = highest).
Is Bravera Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 22559). Its holding company, BRAVERA HOLDINGS CORP (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Bravera Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 22559, and in the Call Reports filed under RSSD ID 971959 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed. Withheld until the FDIC and FFIEC files agree: bank equity capital (Q2 2026), net income (year to date) (Q2 2026), total assets (Q2 2026) and total equity capital (Q2 2026). Text, ranks and charts for these metrics use the latest verified quarter.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.