Bravera Bank (FDIC #22559): Bank Stress & Real-Estate Credit Exposure
Bravera Bank (FDIC Cert #22559): bank stress 61/100, elevated, STABLE over 7 days; parent BRAVERA HOLDINGS CORP.
Bravera Bank (#22559) lends in 23 counties across 3 states; Bravera Bank (#22559) reaches 285 ZIP codes: North Dakota 17 counties, 202 ZIPs; Montana 4 counties, 53 ZIPs; Minnesota 2 counties, 30 ZIPs.
Bravera Bank (#22559) largest markets: Cass County, ND (90 branches, 30 ZIPs) (#22559), Ward County, ND (48 branches, 24 ZIPs) (#22559), Grand Forks County, ND (22 branches, 22 ZIPs) (#22559), Mchenry County, ND (19 branches, 19 ZIPs) (#22559), Wright County, MN (19 branches, 19 ZIPs) (#22559), Cascade County, MT (36 branches, 18 ZIPs) (#22559).
Bravera Bank (#22559) reports $3.81 billion in total assets; Bravera Bank (#22559) equity $398.1 million (10.4% of Bravera Bank (#22559) assets); Bravera Bank (#22559) domestic deposits $3.34 billion; Bravera Bank (#22559) net income $26.4 million; Bravera Bank (#22559) return on assets 1.37%; Bravera Bank (#22559) return on equity 13.31%; Bravera Bank (#22559) net interest income $65.1 million; Bravera Bank (#22559) call report June 30, 2026.
Bravera Bank (#22559) noncurrent real-estate loans: none reported; Bravera Bank (#22559) residential -0.46%; Bravera Bank (#22559) net charge-offs on real estate 1.02%; Bravera Bank (#22559) multifamily charge-offs 0.78%; Bravera Bank (#22559) residential charge-offs 0.98%.
Bravera Bank (#22559) net interest margin 3.62% against an eight-quarter Bravera Bank (#22559) average of 3.30% (Bravera Bank (#22559) compression -0.32 points); Bravera Bank (#22559) non-residential real estate 98.0% of equity; Bravera Bank (#22559) rate-exposure score 40/100, Bravera Bank (#22559) fixed-rate trap 40/100; Bravera Bank (#22559) risk type credit driven; Bravera Bank (#22559) rate regime rates elevated, Bravera Bank (#22559) snapshot October 19, 2026.
Bravera Bank (#22559) stress score moved from 63.3 on June 22, 2026 to 61.5 on October 19, 2026; Bravera Bank (#22559) ranged 61.5 to 63.3 over 116 snapshots.
Bravera Bank (#22559) alerts: 23 counties; top Bravera Bank (#22559) alert scores: Billings County, ND 27 (low); Albertville County, ND 22 (low); Bismarck County, ND 22 (low); Cando County, ND 22 (low); Cooperstown County, ND 22 (low).