BRAVERA BANK

FDIC #22559 · ND · period 20260630

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Total assets1,292,345-4.04% YoY

Total deposits1,155,471-4.67% YoY

Net loans and leases808,742+0.54% YoY

Return on assets1.21%+79.16% YoY

Return on equity13.05%+71.26% YoY

Net interest margin3.58%+3.34% YoY

Peer position

Return on assets61stin line · n=902

Return on equity60thin line · n=894

Net interest margin44thin line · n=902

Equity to assets51stin line · n=894

Noncurrent loans30thin line · n=887

Liquid assets57thin line · n=895

Brokered deposits62ndin line · n=890

Loans to deposits63rdin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,292,345	1,155,471	808,742	1.21	13.05	3.58
2016-06-30	1,330,083	1,143,206	830,054	0.88	9.68	3.60
2016-09-30	1,328,048	1,098,346	830,818	0.97	10.66	3.60
2016-12-31	1,333,885	1,171,261	825,299	0.91	10.02	3.61
2017-03-31	1,346,774	1,212,121	804,382	0.67	7.62	3.47
2017-06-30	1,372,691	1,236,271	827,646	0.55	6.22	3.46
2017-09-30	1,355,551	1,185,970	833,695	0.76	8.46	3.49
2017-12-31	1,353,238	1,214,219	818,135	0.79	8.85	3.52
2018-03-31	1,387,451	1,248,266	807,747	1.71	19.73	3.59
2018-06-30	1,375,636	1,229,006	858,514	1.55	18.06	3.62
2018-09-30	1,382,575	1,213,005	885,692	1.40	16.31	3.66
2018-12-31	1,426,011	1,289,154	901,422	1.44	16.61	3.68
2019-03-31	1,481,350	1,338,133	928,152	1.28	14.32	3.58
2019-06-30	1,493,007	1,304,853	968,419	1.28	14.03	3.56
2019-09-30	1,514,750	1,353,819	998,765	1.40	15.13	3.59
2019-12-31	1,671,850	1,495,387	1,069,413	1.43	15.33	3.57
2020-03-31	1,746,350	1,578,890	1,079,219	1.19	12.76	3.29
2020-06-30	1,803,442	1,610,950	1,180,794	1.36	14.39	3.69
2020-09-30	1,820,337	1,634,768	1,189,668	1.36	14.33	3.59
2020-12-31	1,881,577	1,678,951	1,205,916	1.29	13.14	3.56
2021-03-31	1,981,677	1,771,725	1,234,931	1.64	16.92	4.00
2021-06-30	1,997,383	1,780,908	1,260,338	1.55	16.00	3.74
2021-09-30	2,036,709	1,816,428	1,256,327	1.45	14.90	3.56
2021-12-31	2,253,278	2,010,304	1,314,367	1.26	12.56	3.35
2022-03-31	2,339,606	2,131,532	1,332,763	0.99	11.15	3.03
2022-06-30	2,325,676	2,129,856	1,414,777	1.09	12.94	3.17
2022-09-30	2,351,356	2,097,270	1,471,567	1.26	15.54	3.26
2022-12-31	2,398,640	2,107,854	1,515,245	1.27	15.77	3.31
2023-03-31	2,428,505	2,211,842	1,506,223	0.86	10.94	3.07
2023-06-30	2,467,180	2,168,738	1,612,229	0.90	11.61	3.01
2023-09-30	2,521,747	2,162,680	1,678,099	0.91	11.96	2.90
2023-12-31	2,982,606	2,668,098	1,978,787	0.96	12.24	2.98
2024-03-31	3,234,724	2,872,775	2,078,527	1.41	15.95	2.91
2024-06-30	3,213,632	2,855,573	2,173,911	1.23	13.91	2.94
2024-09-30	3,226,043	2,842,737	2,245,771	1.15	12.75	2.97
2024-12-31	3,393,055	3,014,370	2,297,324	1.09	12.19	3.02
2025-03-31	3,492,547	3,099,264	2,285,630	1.14	12.68	3.16
2025-06-30	3,390,730	2,972,753	2,366,828	1.19	12.96	3.31
2025-09-30	3,452,636	2,981,600	2,448,784	1.20	12.80	3.36
2025-12-31	3,833,298	3,357,063	2,709,962	1.12	11.50	3.43
2026-03-31	3,884,241	3,404,968	2,648,157	1.24	12.12	3.53
2026-06-30	3,809,909	3,338,054	2,744,616	1.37	13.31	3.62

Structure and branch footprint

35 current branch locations across 3 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-10-04	1	3270046	971959
2024-02-10	1	88950	971959
2023-10-07	1	680055	971959
2021-11-13	1	659453	971959
2020-10-10	1	3425725	971959
2019-10-19	1	3097243	971959
2015-04-18	1	942959	971959
2013-10-05	1	599755	971959
2011-10-29	1	1015056	971959
2009-04-18	1	802352	971959

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.