Bravera Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bravera Bank, based in Dickinson, North Dakota, reported $3.8 billion in assets at June 30, 2026, up 12.4% from a year earlier. It holds about a fifth of its deposits (18%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also grew its loan book 15.9% over the year, about triple the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $14 million, 35% above the same quarter a year earlier. Its $343 million commercial and industrial book is improving, with 1.50% past due or on nonaccrual, down from 3.00% a year earlier. Where it has less room is capital: it holds common equity equal to 11.74% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Bravera Bank reported a CET1 capital ratio of 11.74%, a return on assets of 1.47%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 6.01%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 220 1st Ave W, Dickinson, ND 58601
- County
- Stark
- Metro Area
- Dickinson, ND
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 1, 1977
- Former names
- American Bank Center (2009-2021); American Bank Center First (2006-2009); Bank Center First, Bismarck (1993-2006); Bank Center One (1991-1993)
- Offices
- 35 domestic
- Employees (FTE)
- 507
- Domestic deposits
- $3.34B
- Allowance for credit losses
- $32.7M
- Net charge-offs (YTD)
- $940K
- Average total assets
- $3.89B
- Average total loans
- $2.70B
- Average interest-bearing deposits
- $2.93B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 1, 1977
- FDIC Cert
- 22559
- Fed RSSD
- 971959
- Website
- www.bravera.bank →
- Parent Holding Company
- BRAVERA HOLDINGS CORP. (RSSD 1133781)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bravera Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bravera Bank, freeBravera Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Bravera Bank
- Visionbank, effective October 4, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.74% | 1.47% | 1.04% | 6.01% | 3.67% |
| Q1 2026 | 11.88% | 1.24% | 1.38% | 6.28% | 3.53% |
| Q4 2025 | 11.57% | 1.17% | 1.07% | 5.92% | 4.44% |
| Q3 2025 | 11.53% | 1.21% | 1.23% | 7.97% | 3.47% |
| Q2 2025 | 11.61% | 1.23% | 1.36% | 8.92% | 3.42% |
| Q1 2025 | 11.63% | 1.13% | 1.45% | 10.13% | 3.16% |
| Q4 2024 | 11.33% | 0.93% | 1.17% | 8.68% | 3.18% |
| Q3 2024 | 11.40% | 0.97% | 1.13% | 8.72% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 35 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bravera Bank (main office) | Dickinson , ND | 58601 | $689.8M |
| Stanley Branch | Stanley , ND | 58784 | $410.0M |
| Killdeer Branch | Killdeer , ND | 58640 | $324.1M |
| Bismarck Downtown Branch | Bismarck , ND | 58501 | $301.3M |
| Minot Branch | Minot , ND | 58701 | $217.8M |
| Fargo South Branch | Fargo , ND | 58103 | $181.7M |
| Bismarck North Branch | Bismarck , ND | 58503 | $151.7M |
| Great Falls 7th Street Branch | Great Falls , MT | 59405 | $92.7M |
| Glendive Branch | Glendive , MT | 59330 | $73.1M |
| Billings Branch | Billings , MT | 59106 | $72.4M |
| Albertville Branch | Albertville , MN | 55301 | $57.3M |
| Washington Center Branch | Bismarck , ND | 58504 | $55.6M |
| Underwood Branch | Underwood , ND | 58576 | $49.1M |
| Cooperstown Branch | Cooperstown , ND | 58425 | $48.4M |
| Burnt Boat Drive Office | Bismarck , ND | 58503 | $46.5M |
| Devils Lake Branch | Devils Lake , ND | 58301 | $45.5M |
| New England Branch | New England , ND | 58647 | $43.6M |
| Kerkhoven Branch | Kerkhoven , MN | 56252 | $43.5M |
| Dickinson North Branch | Dickinson , ND | 58601 | $42.5M |
| Finley Branch | Finley , ND | 58230 | $42.1M |
| Mandan Branch | Mandan , ND | 58554 | $41.6M |
| Mcclusky Branch | Mcclusky , ND | 58463 | $40.7M |
| North Fargo Branch | Fargo , ND | 58102 | $40.0M |
| Leeds Branch | Leeds , ND | 58346 | $39.5M |
| Drake Branch | Drake , ND | 58736 | $36.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 6, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 4, 2025 | Structure Change | Acquired Visionbank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 12, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2024 | Structure Change | Acquired Financial Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2023 | Structure Change | Acquired United Community Bank of North Dakota Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 2021 | Structure Change | Acquired The Citizens State Bank of Finley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 10, 2020 | Structure Change | Acquired Beartooth Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2019 | Structure Change | Acquired Prairie Mountain Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 2015 | Structure Change | Acquired North Country Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 5, 2013 | Structure Change | Acquired Community First Bank of Glendive Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 29, 2011 | Structure Change | Acquired Scandia American Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 2009 | Structure Change | Acquired American Bank Center Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Bravera Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.9% of deposits in ND, rank 4 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 552 applications, 484 loans originated, $171.8M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 19 loans, $3.8M approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bravera Bank
What are Bravera Bank's total assets?
As of the Q2 2026 filing, Bravera Bank reported total assets of $3.81 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bravera Bank headquartered?
Bravera Bank is headquartered in Dickinson, ND, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bravera Bank founded?
Bravera Bank was established in 1977, per the FDIC institution directory.
Is Bravera Bank FDIC-insured?
Yes. Bravera Bank is an FDIC-insured commercial bank (FDIC Certificate #22559). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bravera Bank?
Bravera Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bravera Bank's CET1 capital ratio?
Bravera Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.74% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bravera Bank operate?
Bravera Bank operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bravera Bank's Texas Ratio?
Bravera Bank's Texas Ratio is 6.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Bravera Bank previously called?
The charter now named Bravera Bank has also operated as American Bank Center (2009-2021), American Bank Center First (2006-2009), Bank Center First, Bismarck (1993-2006), Bank Center One (1991-1993), per FDIC structure-change records.
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