Bravera Bank: Bank Stress & Real-Estate Credit Exposure

Bravera Bank (FDIC Cert #22559) carries a DLRadar bank-stress score of 61/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Bravera Bank runs a mid-sized, regionally concentrated real-estate lending footprint — 22 U.S. counties across 3 states, spanning 258 ZIP codes. Its heaviest exposure sits in North Dakota (16 counties), Montana (4 counties), Minnesota (2 counties). DLRadar does not model Bravera Bank in isolation: the 258-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 22 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. Bravera Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Bravera Bank is held under Bravera Holdings Corp, its financials are open to scrutiny and its trend can be independently checked. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. County by county, that footprint includes Ward County, ND, Grand Forks County, ND, Mchenry County, ND, Wright County, MN, among others DLRadar tracks parcel by parcel. Read against its 22-county reach, a elevated score sets the credit tone for every market on its map. Because Bravera Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 61/100 reading stays current and directly comparable — a like-for-like number across 3 states and against any other institution.

For buyers, lender stress is an early map of supply: when Bravera Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.