🏦Bank Scorer

BRAVERA BANK

DICKINSON, ND · Supervised by FDIC

Est. 1977FDIC #22,559RSSD: FDIC-22559
Part ofBRAVERA HOLDINGS CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.24%

Institution Profile

FDIC BankFind

Address

220 1st Ave W, DICKINSON, ND

County

Stark County

Established

December 1, 1977

Total Assets

$3.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.9B

Total Deposits

$3.4B

Net Loans

$2.6B

Net Income

$12M

ROA

1.24%

ROE

12.12%

Risk-Based Capital

12.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate3.38%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

31

Branch Deposits

$3.0B

1-Year Change

+1

5-year net change: +12 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202444485.81%3.38%
202333186.4%2.72%
202255085.64%3.09%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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