Bravera Bank
Bravera Bank reported total assets of $3.9 bn at Q1 2026, the latest verified quarter, up 11.2% on a year earlier. The CET1 capital ratio at Bravera Bank was 11.74% at Q2 2026. Total assets for Q2 2026 is withheld until the FDIC and FFIEC figures agree. Source: FDIC Call Reports.
Key takeaways
- Since , Bravera Bank has taken over 6 institutions; the latest was VISIONBank on (FDIC Call Reports).
What sets Bravera Bank apart
How large is Bravera Bank?
The balance sheet of Bravera Bank at , the latest verified quarter: assets $3.9 bn, deposits $3.4 bn, net loans $2.6 bn (loans equal to 77.77% of deposits). Securities make up 21.1% of total assets at Bravera Bank. Since , when Bravera Bank held $1.3 bn, its assets grew 200.6%. At , the latest verified quarter, Bravera Bank employed 501 full-time equivalent staff across 35 offices, about $7.8 mn of assets per employee and $97.3 mn of deposits per office.
How much funding at Bravera Bank is uninsured?
At Bravera Bank, uninsured deposits (above the FDIC limit) made up 17.55% of domestic deposits at (-2.56 pp on a year earlier); Bravera Bank ranks 433rd of 500 on this measure. In dollars, Bravera Bank estimated $586.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.3 bn | +12.3% | 333rd of 499 |
| Net loans and leases | $2.7 bn | +16.0% | 337th of 500 |
| Loan-to-deposit ratio | 82.22% | +2.60 pp | 317th of 500 |
| Tier 1 leverage ratio | 9.73% | +0.24 pp | 337th of 500 |
| Total risk-based capital ratio | 12.83% | +0.13 pp | 373rd of 448 |
| Net interest margin | 3.62% | +0.31 pp | 259th of 500 |
| Return on assets (ROA) | 1.37% | +0.18 pp | 209th of 500 |
| Efficiency ratio | 57.06% | -2.40 pp | 267th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $35.0 mn | Narrowed by $8.6 mn | |
| 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 of Bravera Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Bravera Bank: assets, deposits and loans
- Total assets $3.9bn
- Deposits $3.3bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of Bravera Bank stood at 11.74% in , +0.13 pp year on year. Low and high at Bravera Bank since : 10.92% () to 12.18% (). Equity capital of Bravera Bank at , the latest verified quarter: $397.9 mn, or 10.2% of total assets. Bravera Bank also reported a total capital ratio of 12.83% for , and a tier 1 leverage ratio of 9.73%.
The available-for-sale portfolio of Bravera Bank showed an unrealized loss of $35.0 mn at ; the loss narrowed by $8.6 mn over the year.
Bravera Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.7%
Bravera Bank: unrealized securities gains and losses
- Available for sale -$35mn
- Held to maturity $0
Profitability and loan quality
For the year to , Bravera Bank earned a return on equity of 13.31%; return on assets: 1.37%. Net interest margin at Bravera Bank: 3.62%, +0.31 pp in a year. The efficiency ratio of Bravera Bank was 57.06%: about 57 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.90% of total loans at Bravera Bank; net charge-offs: -0.04% of average loans. Gross loans and leases at Bravera Bank: $2.8 bn, up 15.9% in a year.
Bravera Bank: profitability
- Return on equity 13%
- Net interest margin 3.6%
- Return on assets 1.4%
Peer group of Bravera Bank
The peer group of Bravera Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of Bravera Bank (state nonmember bank) and 0 have head offices in North Dakota. Against them, Bravera Bank shows CET1 ratio 11.88% against a peer median of 12.53%, return on equity 12.12% against a peer median of 13.72% and uninsured deposit share 17.40% against a peer median of 40.05%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| River Bank & Trust | State nonmember bank | AL | $3.9 bn | 12.53% | 17.19% | 43.13% | |
| Bank of Marin | State nonmember bank | CA | $3.9 bn | 13.17% | 9.33% | 36.98% | |
| Commercial Bank of California | State nonmember bank | CA | $3.9 bn | 11.50% | 14.38% | 59.44% | |
| Bravera Bank | State nonmember bank | ND | $3.9 bn | 11.88% | 12.12% | 17.40% | |
| Investar Bank | National bank | LA | $3.9 bn | 13.11% | 14.09% | 35.89% | |
| Security Bank of Kansas City | State nonmember bank | KS | $3.8 bn | not reported | 12.05% | 35.23% | |
| Carrollton Bank | State nonmember bank | IL | $3.8 bn | 9.75% | 13.36% | 53.03% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bravera Bank, to : deposits +17.4%. Staff 455 to 507; offices 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 |
| 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 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Bravera Bank, oldest first; 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).
Questions and identifiers
What were the total assets of Bravera Bank?
Bravera Bank reported $3.9 bn at , the latest verified quarter in its Call Report. That makes Bravera Bank the 341st largest of 506 banks in our US coverage.
Is Bravera Bank the same as its holding company?
No. This page covers Bravera Bank, FDIC certificate 22559; BRAVERA HOLDINGS CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
When is data for Bravera Bank next updated?
Figures from Bravera Bank for are due after .
Where can I check the figures for Bravera Bank?
In the FDIC BankFind Suite record for certificate 22559, and in the Call Reports of Bravera Bank (RSSD ID 971959) at the FFIEC Central Data Repository.