Bravera Bank
Dickinson, North Dakota · FDIC Cert #22559
Bravera Bank is an FDIC-insured bank (Certificate #22559) with $3.2B in total assets and $2.9B in total deposits as of the Q2 2024 Call Report. Headquartered in Dickinson, North Dakota, the bank maintains a Tier 1 capital ratio of 11.46% (Well-Capitalized) and a nonperforming loan ratio of 0.75%. BankHealthData assigns a composite Health Grade of B (78/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bravera Bank (FDIC cert 22559) is a mid-sized bank with $3.2B in total assets and $2.9B in deposits, based in Dickinson, North Dakota. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.46% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.75% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 23.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.52% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bravera Bank carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bravera Bank
- Total Assets
- $3.2B
- Total Deposits
- $2.9B
- Tier 1 Capital Ratio
- 11.46%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.75%
- Liquidity Ratio
- 23.68%
- Return on Assets
- 1.52%
- Headquarters
- Dickinson, North Dakota
- FDIC Certificate
- #22559
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bravera Bank holds a Tier 1 capital ratio of 11.46%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bravera Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bravera Bank shows strong financial health indicators. With $3.2B in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bravera Bank Compares
Bravera Bank’s Health Score of 78 is 10 points above the North Dakota state average of 68 across 55 FDIC-insured banks. Its 11.46% Tier 1 capital ratio is 2.5 points below the US banking industry average near 14%. The 0.75% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.52% is in line with or above the national ROA benchmark of ~1.1%. Among 435 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, Bravera Bank is 8 points above the portfolio average of 70.
Frequently Asked Questions
Bravera Bank has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.46%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bravera Bank's Tier 1 capital ratio of 11.46% and nonperforming loan ratio of 0.75% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bravera Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #22559). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bravera Bank holds $3.2B in total assets and $2.9B in total deposits. It is headquartered in Dickinson, North Dakota (FDIC Certificate #22559).
Bravera Bank has a Tier 1 capital ratio of 11.46%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.75%, and the return on assets is 1.52%.
Yes. Bravera Bank is FDIC-insured (Certificate #22559). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bravera Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.