Bravera Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bravera Bank of Dickinson, ND against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.48% | 1.46% | +0.02% | 65th above |
| ROAE | 14.47% | 12.71% | +1.76% | 67th above |
| Net Interest Margin | 3.67% | 3.85% | -0.18% | 47th below |
| Efficiency Ratio | 55.04% | 57.41% | -2.37% | 61st above |
| PPNR / Avg Assets | 1.90% | 1.88% | +0.02% | 63rd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.72% | -0.13% | 53rd above |
| Cost of Funds | 2.06% | 2.02% | +0.04% | 47th below |
| Net Interest Spread | 3.23% | 3.18% | +0.05% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.04% | 1.00% | +0.04% | 31st below |
| NPA / Total Assets | 0.78% | 0.76% | +0.02% | 33rd below |
| NCO / Avg Loans | -0.18% | 0.43% | -0.61% | 99th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.17% | 1.31% | -0.14% | 53rd above |
| ACL / NPLs (Coverage) | 113.26% | 544.00% | -430.74% | 35th below |
| Texas Ratio | 8.90% | 7.39% | +1.51% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.74% | 17.35% | -5.61% | 19th bottom |
| Tier 1 Ratio | 11.74% | 17.38% | -5.64% | 19th bottom |
| Total Capital Ratio | 12.83% | 18.43% | -5.60% | 19th bottom |
| Leverage Ratio | 9.73% | 11.44% | -1.71% | 30th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.45% | 11.34% | -0.89% | 51st above |
| TCE / Tangible Assets | 9.25% | 10.50% | -1.25% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.20% | 86.96% | -3.76% | 64th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.93% | 85.55% | +1.38% | 41st below |
| Uninsured Deposit Ratio | 17.55% | 33.15% | -15.60% | 88th top |
| Wholesale Funding Ratio | 1.29% | 5.71% | -4.42% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.36% | 9.68% | +2.68% | 82nd top |
| Loan Growth (Y/Y) | 15.94% | 8.04% | +7.90% | 88th top |
| Deposit Growth (Y/Y) | 12.29% | 7.86% | +4.43% | 82nd top |
See Bravera Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bravera Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bravera Bank profile, how to read a UBPR, or how this data updates.