Bravera Bank: how it compares with its peers
Against 430 U.S. banks with half to twice its assets, Bravera Bank's strongest measure in Q2 2026 is return on assets (1.37% vs. a 1.28% peer median). Its weakest relative measure is assets per employee ($7.5M vs. $9.3M).
| Measure | Bravera Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.28% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.62% | 3.68% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.06% | 57.87% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $9.3M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.22% | 88.67% | Context |
What it means for lending operations
Its efficiency ratio of 57.06% is better than the 57.87% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Independence Bank of Kentucky Owensboro, KY · $3.83B
- Bank of Utah Ogden, UT · $3.79B
- Capital Bank, National Association Rockville, MD · $3.84B
- Investar Bank, National Association Baton Rouge, LA · $3.85B
- Bank of Marin Novato, CA · $3.86B
- Gulf Coast Bank and Trust Company New Orleans, LA · $3.86B
Questions about Bravera Bank
How big is Bravera Bank?
Bravera Bank, established in 1977, is headquartered in Dickinson, ND. It reported $3.81B in total assets in its Q2 2026 FDIC call report and operates 35 offices.
What is Bravera Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.28% median for 430 U.S. banks with half to twice its assets, ahead of 60% of them.
What is Bravera Bank's efficiency ratio?
57.06% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 57.87%, and lower is better.
Is Bravera Bank growing its loans?
Net loans grew 16.0% over the year to Q2 2026, while deposits grew 12.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.