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Bravera Bank
Dickinson, ND·FDIC Cert #22559·Charter: STATE·Est. 19771201.0·HC: BRAVERA HOLDINGS CORP
Total Assets
$3.8B
Q4 2025
Return on Assets
1.12%
-0.08%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.06%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.12%-0.08
ROE
11.50%-1.30
Efficiency
59.06%+0.14
Equity/Assets
0.00%+0.00
NPL Ratio
0.92%-0.26
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.72%-1.41
Charge-offs
0.24%+0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.2 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.1 |
| ROE | 15.9 | 13.9 | 12.8 | 12.2 | 12.7 | 13.0 | 12.8 | 11.5 |
| Efficiency | 56.6 | 58.9 | 60.2 | 60.7 | 61.5 | 59.5 | 58.9 | 59.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.8 | 1.2 | 1.2 | 1.5 | 1.3 | 1.2 | 0.9 |
| Charge-offs | -0.1 | 0.0 | 0.0 | 0.0 | 0.2 | 0.1 | 0.2 | 0.2 |
| Loan/Deposit | 72.4 | 76.1 | 79.0 | 76.2 | 73.7 | 79.6 | 82.1 | 80.7 |
Balance Sheet
Total Assets$3.8B
Total Deposits$3.4B
Total Loans$2.7B
Total Equity$394.6M
Profitability
ROA1.12%
ROE11.50%
Efficiency Ratio59.06%
Net Income$42.1M
Risk & Asset Quality
NPL Ratio0.92%
Charge-off Rate0.24%
Loan/Deposit80.72%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans