Bravera Bank
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Data as of · sourced from FFIEC call reports. How we update
Bravera Bank is an FDIC-insured commercial bank headquartered in Dickinson, ND, established in 1977 (FDIC certificate 22559), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.81B, up 12.4% from Q2 2025, the 6th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 11.74% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22559
- Headquarters
- Dickinson, ND
- Established
- 1977
- Total assets, Q2 2026
- $3.81B
- Assets vs Q2 2025
- +12.4%
- CET1 ratio, Q2 2026
- 11.74%
- Domestic offices
- 35 FDIC institution directory, current count
- Routing number
- 091310615
- Latest call report
- Q2 2026, FFIEC 041 · Bravera Bank call report
- Holding company
- BRAVERA HOLDINGS CORP.
- Asset rank in state
- 6th of 60 in North Dakota
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 0.90% and a Texas ratio of 6.01%. The figures come from its call report filed with the FFIEC.
Bravera Bank ranks as the 6th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.9% to $3.81B, loans rose 3.7% and deposits fell 2.0%. Its loan book on June 30, 2026 was led by agricultural production loans, at 13.9% of total loans, followed by auto loans at 13.9%. The FDIC Summary of Deposits lists 35 offices for it, in 25 cities across 3 states; its Dickinson 2 offices book 22% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bravera Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 35 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bravera Bank's total assets ranged from $2.52B (Q3 2023) to $3.88B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.81B total assets against $3.39B; $3.41B total liabilities against $3.06B.
$2.74B net loans and leases against $2.37B; $3.34B total deposits against $2.97B.
$825.8M securities against $797.0M; $29.8M cash and balances due against $36.6M.
$52.4M total interest income against $44.1M; $17.6M total interest expense against $16.6M.
$34.7M net interest income against $27.5M.
$9.4M total noninterest income against $8.4M; $24.2M total noninterest expense against $21.2M.
$1.9M provision for credit losses against $1.5M.
$14.3M net income against $10.6M.
1.47% return on assets against 1.23%; 3.83% net interest margin against 3.42%.
11.74% CET1 capital ratio against 11.61%; 9.73% tier 1 leverage ratio against 9.49%.
Inside the full Bravera Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBravera Bank rankings
Its closest position to the top of a national ranking is 342 of 4,196, for total assets; its furthest is 860 of 980, for uninsured deposits.
Banks merged into Bravera Bank
- Visionbank, effective October 4, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.93% (Q4 2024) to 1.47% (Q2 2026) and its net interest margin ran from 3.02% (Q3 2024) to 4.44% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.74% | 1.47% | 0.90% | 6.01% | 3.83% |
| Q1 2026 | 11.88% | 1.24% | 0.99% | 6.28% | 3.53% |
| Q4 2025 | 11.57% | 1.17% | 0.90% | 5.92% | 4.44% |
| Q3 2025 | 11.53% | 1.21% | 1.16% | 7.97% | 3.47% |
| Q2 2025 | 11.61% | 1.23% | 1.29% | 8.92% | 3.42% |
| Q1 2025 | 11.63% | 1.13% | 1.43% | 10.13% | 3.16% |
| Q4 2024 | 11.33% | 0.93% | 1.15% | 8.68% | 3.18% |
| Q3 2024 | 11.40% | 0.97% | 1.16% | 8.72% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
View all 35 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Bravera Bank headquartered?
It is headquartered in Dickinson, ND, United States.
When was Bravera Bank founded?
It was established in 1977, per the FDIC institution directory.
Is Bravera Bank FDIC-insured?
Yes. It 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.
What is Bravera Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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