Bravera Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 10.45%. Within North Dakota, Bravera Bank is 17th of 25 on CET1 ratio, 11.74% as of Q2 2026, below the middle of the field. Bravera Bank reported 11.74% on CET1 ratio for Q2 2026, 1.74 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.74% |
| Tier 1 risk-based capital ratio | 11.74% |
| Total risk-based capital ratio | 12.83% |
| Tier 1 leverage ratio | 9.73% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $373.7M |
| Tier 1 capital | $373.7M |
| Total risk-based capital | $408.4M |
| Total equity capital | $398.1M |
| Risk-weighted assets | $3.18B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.45% |
| Tangible equity to tangible assets | 9.25% |
| Equity capital to average assets | 10.24% |
| Internal capital growth rate | 0.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $187.9M |
| Retained earnings | $235.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$26.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.12% | 11.12% | 12.18% | 8.78% | $2.01B |
| Q4 2023 | 11.43% | 11.43% | 12.53% | 9.30% | $2.37B |
| Q1 2024 | 11.82% | 11.82% | 12.93% | 9.23% | $2.49B |
| Q2 2024 | 11.46% | 11.46% | 12.53% | 9.14% | $2.56B |
| Q3 2024 | 11.40% | 11.40% | 12.48% | 9.29% | $2.64B |
| Q4 2024 | 11.33% | 11.33% | 12.42% | 9.24% | $2.73B |
| Q1 2025 | 11.63% | 11.63% | 12.70% | 9.28% | $2.75B |
| Q2 2025 | 11.61% | 11.61% | 12.70% | 9.49% | $2.80B |
| Q3 2025 | 11.53% | 11.53% | 12.60% | 9.62% | $2.87B |
| Q4 2025 | 11.57% | 11.57% | 12.61% | 9.69% | $3.14B |
| Q1 2026 | 11.88% | 11.88% | 12.94% | 9.73% | $3.14B |
| Q2 2026 | 11.74% | 11.74% | 12.83% | 9.73% | $3.18B |
Bravera Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bravera Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bravera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22559) · FFIEC NIC profile (RSSD 971959)