Total Assets
$3.8B
Total balance-sheet footings
FDIC Cert #22559 · Dickinson, North Dakota · Est. 1977
Bravera Bank - FDIC Bank Health Profile
A community-scale look at Bravera Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.8B
- Total assets
- B
- Health grade · Good
- 1.12%
- Return on assets
- 11.6%
- Tier 1 capital
Data updated July 2026
The verdict
Bravera Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.57% Tier 1, profitable at 1.12% ROA, efficient (59% cost ratio).
- #348
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 11.57%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bravera Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bravera Bank's composite health score
Tier 1 Capital Ratio (11.57%) 28/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (5.83%) 16/20
Efficiency Ratio (59.06%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.4B
Customer-funded liabilities
Net Loans
$2.7B
Outstanding loan book
Net Income
$42M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bravera Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bravera Bank's score of 76/100 falls in the highlighted band.
Bravera Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bravera Bank's $3.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.57%
Texas Ratio
5.83%
Equity Capital
$395M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.12%
Return on Equity (ROE)
11.50%
Efficiency Ratio
59.06%
What the numbers say about Bravera Bank
Bravera Bank is an FDIC-insured institution (Certificate #22559) headquartered in Dickinson, North Dakota, established in 1977. It holds $3.8B in total assets - 348th of 4,313 FDIC-insured banks, $3.4B in customer deposits, and $2.7B in net loans. Looking at capital strength, Tier 1 stands at 11.57%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.83%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Bravera Bank's asset base places it among the largest FDIC-insured institutions in the country, 348th of 4,313 nationally, and 6th of 61 banks headquartered in North Dakota. Only Gate City Bank ($4.0B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$193M
Interest Income
$38M
Non-Interest Income
$96M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bravera Bank reports a Texas Ratio of 5.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bravera Bank (FDIC Cert #22559) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
| Starion BankBismarck | $2.1B | B | 0.80% |
Frequently asked questions
What is Bravera Bank's health grade?▼
Bravera Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bravera Bank?▼
Bravera Bank holds $3.8B in total assets and $3.4B in deposits, ranking 348th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dickinson, North Dakota.
Is my money safe at Bravera Bank?▼
Yes, deposits at Bravera Bank (Certificate #22559) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bravera Bank's Tier 1 Capital Ratio?▼
Bravera Bank has a Tier 1 Capital Ratio of 11.57%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bravera Bank?▼
Bravera Bank has a Texas Ratio of 5.83%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bravera Bank?▼
Bravera Bank has an Efficiency Ratio of 59.06%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bravera Bank's profile as a depositor or analyst.
- Bravera Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bravera Bank against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.