TellerScore

Headquartered in Dickinson, North Dakota, Bravera Bank is a state-chartered bank with $3.8B in total assets and $3.3B in deposits as of Q2 2026. It operates 35 offices across 3 states. Its charter dates back to 1977.

Bravera Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 60 banks headquartered in North Dakota, it ranks 38th. Problem-loan coverage contributes the most (88/100, 6.0%); capital cushion contributes the least (47/100, 9.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.73%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.90%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 82.2% · 17.6% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (61 → 67), mostly because the loan quality component improved by 13 points.

TellerScore
596367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202460
Q4 202461
Q1 202559
Q2 202561
Q3 202562
Q4 202565
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%7.37%9.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.14%
Q3 20249.29%
Q4 20249.24%
Q1 20259.28%
Q2 20259.49%
Q3 20259.62%
Q4 20259.69%
Q1 20269.73%
Q2 20269.73%
Noncurrent loans
0.75%1.09%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.75%
Q3 20241.16%
Q4 20241.15%
Q1 20251.43%
Q2 20251.29%
Q3 20251.16%
Q4 20250.90%
Q1 20260.99%
Q2 20260.90%
Return on assets
1.09%1.23%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.15%
Q4 20241.09%
Q1 20251.14%
Q2 20251.19%
Q3 20251.20%
Q4 20251.12%
Q1 20261.24%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$3.8B9.73%0.90%1.37%82.2%
Q1 202666$3.9B9.73%0.99%1.24%77.8%
Q4 202565$3.8B9.69%0.90%1.12%80.7%
Q3 202562$3.5B9.62%1.16%1.20%82.1%
Q2 202561$3.4B9.49%1.29%1.19%79.6%
Q1 202559$3.5B9.28%1.43%1.14%73.7%
Q4 202461$3.4B9.24%1.15%1.09%76.2%
Q3 202460$3.2B9.29%1.16%1.15%79.0%
Q2 202464$3.2B9.14%0.75%1.23%76.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.73%
30th
Total risk-based capital12.83%
39th
Problem loans0.90%
30th
Net charge-offs-0.04%
97th
Return on assets1.37%
61st
Net interest margin3.62%
44th
Efficiency ratio57.1%
57th
Loans to deposits82.2%
63rd
Uninsured deposits17.6%
87th
Loan-loss reserves1.17%
54th
Texas ratio6.0%
31st

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Gate City BankBank Fargo, ND65 out of 100, Moderate$4.0B9.8%0.69%vs
Western State BankBank Devils Lake, ND78 out of 100, Strong$2.5B13.2%0.90%vs
First Western Bank & TrustBank Minot, ND55 out of 100, Moderate$2.4B9.6%1.42%vs
Alerus Financial, National AssociationBank Grand Forks, ND70 out of 100, Strong$5.3B9.3%0.26%vs
Starion BankBank Bismarck, ND56 out of 100, Moderate$2.1B9.4%1.45%vs
Cornerstone BankBank Fargo, ND47 out of 100, Below average$1.9B9.6%2.35%vs

Deposit insurance

Is my money safe at Bravera Bank?

Yes. Bravera Bank is an FDIC-insured institution (FDIC certificate #22559). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.6% of deposits ($586.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.83% (benchmark: 10%).

Check how much of your own balance is covered

35 locations

Branches

Bravera Bank lists 35 offices in 25 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bravera Bank reported 551 home-loan applications under HMDA (LEI 549300UONVHJ0G6DSL23): 484 originated ($171,780,000 total), 11 denied, and 50 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bravera Bank
Former names
Bismarck State Bank; American Bank Center; Bank Center One; American Bank Center First; Bank Center First, Bismarck
Type
State-chartered bank
FDIC certificate #
22559
RSSD ID
971959
Primary regulator
FDIC
Holding company
Bravera Holdings Corp
Established
December 1, 1977
Headquarters
220 1st Ave W, Dickinson, ND 58601
Employees
507

Quick answers

Bravera Bank: common questions

Is Bravera Bank FDIC insured?

Yes. Bravera Bank is an FDIC-insured institution (FDIC certificate #22559). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bravera Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bravera Bank ever failed?

There is no failure record for FDIC certificate #22559 in the FDIC failed bank list.

How many branches does Bravera Bank have?

35 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Dickinson

InstitutionScoreAssetsCapitalProblem loansCompare
Kirkwood Bank & Trust Co.Bank Bismarck, ND80 out of 100, Strong$351.3M9.9%0.00%vs
Dakota Community Bank & Trust, National AssociationBank Hebron, ND76 out of 100, Strong$1.4B9.1%0.08%vs
Choice Financial GroupBank Fargo, ND73 out of 100, Strong$6.4B10.8%0.68%vs
Gate City BankBank Fargo, ND65 out of 100, Moderate$4.0B9.8%0.69%vs
Western CooperativeCredit union Williston, ND64 out of 100, Moderate$522.2M14.2%3.17%vs
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs