Bravera Bank
Dickinson, North Dakota, Stark County
$3.8B in total assets, the 358th largest of 4,309 US banks and 6th of 60 headquartered in North Dakota.
- FDIC certificate
- 22559
- Established
- 1977
- Owned by
- Bravera Holdings Corp
- Primary regulator
- FDIC
- Website
- www.bravera.bank
At a glance
Compared with 11 banks headquartered in North Dakota with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.8B | 64% | $2.4B | |
| Loans | $2.8B | 64% | $1.9B | |
| Deposits | $3.3B | 64% | $2.0B | |
| Return on assets | 1.31% | 64% | 1.27% | |
| Net interest margin | 3.62% | 27% | 3.89% | |
| Efficiency ratio | 57.1% | 27% | 63.1% | |
| Equity to assets | 10.45% | 54% | 9.24% | |
| Loans to deposits | 83% | 46% | 91% |
Growth
Total assets grew 13.8% a year over the last 5 years and 11.1% a year over 10 years, including 6 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2025 | VISIONBank Fargo, ND, an affiliate under the same holding company | $303M |
| Feb 2024 | Financial Security Bank Kerkhoven, MN, an affiliate under the same holding company | $150M |
| Oct 2023 | United Community Bank of North Dakota Leeds, ND, an affiliate under the same holding company | $385M |
| Nov 2021 | The Citizens State Bank of Finley Finley, ND, an affiliate under the same holding company | $136M |
| Oct 2020 | Beartooth Bank Billings, MT, an affiliate under the same holding company | $69M |
| Oct 2019 | Prairie Mountain Bank Great Falls, MT | $97M |
| Apr 2015 | North Country Bank Mcclusky, ND, an affiliate under the same holding company | $69M |
| Oct 2013 | Community First Bank of Glendive Glendive, MT | $50M |
| Oct 2011 | Scandia American Bank & Trust Stanley, ND, an affiliate under the same holding company | $196M |
| Apr 2009 | American Bank Center Dickinson, ND, an affiliate under the same holding company | $269M |
Where they operate
35 branches in 23 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Stark County, ND | $732M | 36.2% | 1 of 10 |
| Burleigh County, ND | $556M | 10.0% | 3 of 16 |
| Mountrail County, ND | $410M | 40.3% | 2 of 3 |
| Dunn County, ND | $324M | 61.6% | 1 of 3 |
| Ward County, ND | $253M | 7.3% | 5 of 11 |
| Cass County, ND | $251M | 2.2% | 11 of 28 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 18 branches since 2016 (17 to 35, +105.9%). 5 opened, 15 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 17 | |||
| 2017 | Opened Bismarck | 1 | 0 | +1 | 18 |
| 2018 | Opened BismarckClosed Bismarck and Minot | 1 | 2 | −1 | 17 |
| 2019 | Acquired Prairie Mountain Bank | 2 | 0 | +2 | 19 |
| 2020 | Acquired Beartooth Bank | 1 | 0 | +1 | 20 |
| 2021 | Acquired The Citizens State Bank of FinleyOpened Billings | 4 | 0 | +4 | 24 |
| 2023 | Acquired United Community Bank of North Dakota | 4 | 0 | +4 | 28 |
| 2024 | Acquired Financial Security BankOpened Helena | 3 | 0 | +3 | 31 |
| 2025 | Acquired VISIONBank | 3 | 0 | +3 | 34 |
| 2026 through Q2 | Opened Billings | 1 | 0 | +1 | 35 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 23% | 26% | |
| Consumer | 15% | 3% | |
| Agricultural | 14% | 10% | |
| Farmland | 14% | 9% | |
| Business (C&I) | 12% | 17% | |
| 1-4 family residential | 11% | 18% | |
| Construction and land | 6% | 6% | |
| Multifamily | 4% | 8% | |
| Other | 2% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 61% | 58% | |
| Time deposits | 26% | 25% | |
| Noninterest-bearing | 13% | 17% |
Brokered deposits are 0.1% of deposits (peers 4.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.79% | 0.90% |
| Net charge-offs, annualized | -0.04% | 0.16% |
| Reserves to loans | 1.17% | 1.17% |
| Leverage ratio | 9.73% | 9.61% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in North Dakota
Largest competitors in Stark County, ND
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/bravera