BlastPoint's Banking Scorecard
Bravera Bank
Designations: ✓ Community bank
Dickinson, ND
35 branches across ND · MT · MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
- Deposits +12.3% year over year ($3.3B on the books).
- Delinquency rate 0.91%.
- Return on assets 1.37%.
- Efficiency ratio 57.06% vs a 59.73% peer average.
- Loan-to-deposit ratio 82.22% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bravera Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.67% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.8B
+12.4% YoY
-1.9% QoQ
|
+$1.0B |
$2.8B
-0.6% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$2.7B
+16.0% YoY
+3.6% QoQ
|
+$781.4M |
$2.0B
-0.3% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$3.3B
+12.3% YoY
-2.0% QoQ
|
+$1.0B |
$2.3B
-0.5% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.37%
+15.2% YoY
+10.5% QoQ
|
-0.02% |
1.39%
+17.0% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
3.62%
+9.4% YoY
+2.5% QoQ
|
-0.25% |
3.87%
+6.2% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
57.06%
-4.0% YoY
-2.6% QoQ
|
-2.67% |
59.73%
-12.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.91%
-30.1% YoY
-8.9% QoQ
|
+0.05% |
0.87%
+11.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
82.22%
+3.3% YoY
+5.7% QoQ
|
-2.81% |
85.04%
-0.1% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
13.13%
-3.1% YoY
+2.0% QoQ
|
-8.14% |
21.27%
-1.5% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.68%
-29.1% YoY
-3.1% QoQ
|
+0.00% |
0.67%
+11.7% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
11.74%
+1.1% YoY
-1.2% QoQ
|
-3.10% |
14.84%
-0.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.50%
-2.4% YoY
+99.7% QoQ
|
-0.02% |
0.53%
+2.5% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.1%
-0.4pp YoY +0.3pp QoQ |
-8.2pp | 21.4% | 21.6% | 22.2% | 19% |
| Brokered Deposits |
0.1%
0.0pp YoY 0.0pp QoQ |
-9.3pp | 9.5% | 6.0% | 8.5% | 6% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.5%
+0.3pp YoY +0.6pp QoQ |
-1.5pp | 14.0% | 12.9% | 12.5% | 57% |
| CRE |
32.9%
+0.9pp YoY -2.1pp QoQ |
-17.1pp | 50.0% | 29.0% | 41.4% | 13% |
| 1-4 Family |
11.2%
+1.9pp YoY +0.2pp QoQ |
-15.3pp | 26.4% | 12.3% | 31.3% | 20% |
| Consumer |
15.1%
-1.5pp YoY -0.4pp QoQ |
+10.4pp | 4.7% | 4.5% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.7%
+0.1pp YoY -0.1pp QoQ |
-3.9pp | 15.6% | 15.3% | 19.7% | 19% |
| Leverage Ratio |
9.7%
+0.2pp YoY 0.0pp QoQ |
-1.6pp | 11.3% | 10.7% | 12.6% | 30% |
| Total Capital Ratio |
12.8%
+0.1pp YoY -0.1pp QoQ |
-3.9pp | 16.7% | 16.3% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
507
+35 (+7.4%) YoY +6 (+1.2%) QoQ |
+193 | 313 | 138 | 482 | 84% |
| Assets per Employee ($) |
$7.5M
+4.6% YoY -3.1% QoQ |
-$3.0M | $10.5M | $8.3M | $8.8M | 31% |
| Branch Count |
35
+4 (+12.9%) YoY 0 QoQ |
+15 | 20 | 7 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.2% | 0.5% | 0.4% | 84% |
| Nonaccrual |
0.8%
-0.5pp YoY -0.2pp QoQ |
-0.1pp | 0.8% | 0.7% | 1.0% | 65% |
| Allowance Coverage |
1.30x
+40.7% YoY +11.2% QoQ |
-17.41x | 18.71x | 73.79x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 3% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+0.3pp YoY +1.2pp QoQ |
+0.7pp | 12.6% | 16.0% | 11.6% | 60% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.7% | 1.7% | 54% |
| Net Income ($, YTD) |
$26.4M
+29.2% YoY — QoQ |
+$7.2M | $19.2M | $7.0M | $40.4M | 79% |
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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.