Bravera Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 153.6% higher than in Q1 2026, at $3.8M. Bravera Bank ranks 25th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 83.20% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bravera Bank sits 5.00 points lower, at 83.20% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.78B |
| Net loans and leases | $2.74B |
| Loans held for sale | $3.8M |
| Loans to total assets | 72.89% |
| Loan-to-deposit ratio | 83.20% |
| Net loans to equity capital | 6.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.53% |
| Multifamily (5+ residential) | 3.82% |
| Commercial and industrial | 12.34% |
| Consumer | 14.92% |
| Credit cards | 0.10% |
| Farm | 13.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 138.25% |
| Construction concentration (Tier 1 capital + allowance) | 42.06% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.39% |
| Interest income on loans | $43.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.70B | $2.16B | 21.70% | 11.16% | 21.95% |
| Q4 2023 | $2.00B | $2.67B | 20.66% | 12.74% | 18.55% |
| Q1 2024 | $2.10B | $2.87B | 21.96% | 12.74% | 17.35% |
| Q2 2024 | $2.20B | $2.86B | 20.94% | 12.19% | 17.02% |
| Q3 2024 | $2.27B | $2.84B | 20.62% | 12.01% | 16.84% |
| Q4 2024 | $2.32B | $3.01B | 21.81% | 12.16% | 16.97% |
| Q1 2025 | $2.31B | $3.10B | 21.98% | 11.90% | 17.19% |
| Q2 2025 | $2.40B | $2.97B | 21.58% | 12.01% | 16.43% |
| Q3 2025 | $2.48B | $2.98B | 22.08% | 12.07% | 16.60% |
| Q4 2025 | $2.74B | $3.36B | 23.02% | 12.24% | 15.20% |
| Q1 2026 | $2.68B | $3.40B | 23.43% | 11.80% | 15.28% |
| Q2 2026 | $2.78B | $3.34B | 22.53% | 12.34% | 14.92% |
Bravera Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bravera Bank, freeSource: Call Report Schedule RC-C, 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)