BlastPoint's Banking Scorecard
Bravera Bank
Designations: ✓ Community bank
Dickinson, ND
35 branches across ND · MT · MN
Bravera Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.46% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Net Interest Margin 0.28% below tier average
- - Delinquency Rate 0.11% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.9B
+11.2% YoY
+1.3% QoQ
|
+$1.1B |
$2.8B
-0.1% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
79% |
| Total Loans ? |
$2.6B
+15.9% YoY
-2.3% QoQ
|
+$683.3M |
$2.0B
+0.6% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$3.4B
+9.9% YoY
+1.4% QoQ
|
+$1.1B |
$2.3B
-0.3% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
1.24%
+9.3% YoY
+11.0% QoQ
|
-0.12% |
1.37%
+19.6% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
3.53%
+11.7% YoY
+3.0% QoQ
|
-0.28% |
3.82%
+6.9% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
58.60%
-4.8% YoY
-0.8% QoQ
|
-2.46% |
61.06%
-4.6% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
1.00%
-31.0% YoY
+9.4% QoQ
|
+0.11% |
0.89%
+14.1% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
77.77%
+5.5% YoY
-3.7% QoQ
|
-6.43% |
84.20%
+0.3% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
12.87%
-5.1% YoY
-4.6% QoQ
|
-8.42% |
21.29%
-2.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.70%
-29.7% YoY
+4.5% QoQ
|
+0.03% |
0.67%
+15.6% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
11.88%
+2.2% YoY
+2.7% QoQ
|
-3.28% |
15.16%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.25%
-2.8% YoY
-74.3% QoQ
|
+0.00% |
0.26%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
81% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.