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Bravera Bank

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Bravera Bank Rates & Review September 2026

Q: How many branches does Bravera Bank operate?

Bravera Bank currently maintains approximately 35 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bravera Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bravera Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Bravera Bank's Personal Loan Rates are as low as 18.92%. Bravera Bank's Credit Card Rates are at 18.92%. MonitorBankRates evaluates the financial stability of Bravera Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.49%. Rates last updated and verified on 09/18/2026.

Bravera Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bravera Bank? Share your experience about Bravera Bank by leaving a review below, or read customer reviews before you decide to use Bravera Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.49%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Bravera Bank

220 1st Ave W
Dickinson, ND 58601

https://www.bravera.bank

Bravera Bank Checking Rates

Product	Rate	APY
Community Rewards Checking	-	3.04%
Min Balance $0 Details Qualifications Required: 10 debit card transactions post and settle during that statement cycle; Earns cash rewards; Free ATMs; Requires at least 10 debit card transactions post and settle during that statement cycle. Daily balances over $10,000 or if 10 debit card transactions do not post and settle during that statement cycle, earn 0.05% APY. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
55+ Rewards Checking	-	1.26%
Min Balance $100 Details Five free ATM transactions per month; Tier 2 ID Theft Smart; Free insurance quote from Bravera Insurance; $5 monthly service charge if of the following qualifying balances are met: $100 minimum daily balance in checking Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Bravera Bank Credit Card Rates

Product	Rate	APR
BRAVE Visa Platinum	-	18.92%
Details Minimum Interest Charge: If you are charged interest, the charge will be no less than $1. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
BRAVE Visa Signature Cash Back	-	18.92%
Details Cash back with funds directly into Bravera accounts or statement credit. Minimum $25 to maximum $2,500 daily. Deposit accounts posting can take up to 3 business days to be seen in Bravera account. Statement credit will be the date following statement cycle. Cost per point = $0.01. Support Bravera support: 877-483-6811. After-hours support: 844-711-0463. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
BRAVE Visa Signature	-	20.92%
Details Rewards Earn 1.5% cash back rewards on purchases; No fees for balance transfers, cash advances, or over-the-limit; Concierge service for travel, dining and entertainment; Exclusive access to promotional offers; Minimum Interest Charge: If you are charged interest, the charge will be no less than $1. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Bravera Bank Personal Loan Rates

Product	APR	Term	View More
BRAVE Visa Signature Cash Back	18.92%
Details Cash back with funds directly into Bravera accounts or statement credit. Minimum $25 to maximum $2,500 daily. Deposit accounts posting can take up to 3 business days to be seen in Bravera account. Statement credit will be the date following statement cycle. Cost per point = $0.01. Support Bravera support: 877-483-6811. After-hours support: 844-711-0463. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
BRAVE Visa Signature	20.92%
Details Rewards Earn 1.5% cash back rewards on purchases; No fees for balance transfers, cash advances, or over-the-limit; Concierge service for travel, dining and entertainment; Exclusive access to promotional offers; Minimum Interest Charge: If you are charged interest, the charge will be no less than $1. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Bravera Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Brave Elite Loan	-	-	20.92%
Details Purchases, balance transfers and cash advances for Brave Elite. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Bravera Bank’s Texas Ratio stayed near 6.21% in Q3 2023 to 6.49% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.8B	6.49%	5.0	A
March 31, 2026	$3.9B	6.84%	5.0	A
December 31, 2025	$3.8B	6.51%	5.0	A
September 30, 2025	$3.5B	9.37%	5.0	A
June 30, 2025	$3.4B	9.90%	5.0	A
March 31, 2025	$3.5B	10.97%	5.0	A
December 31, 2024	$3.4B	9.62%	5.0	A
September 30, 2024	$3.2B	9.60%	5.0	A
June 30, 2024	$3.2B	7.04%	5.0	A
March 31, 2024	$3.2B	5.23%	5.0	A+
December 31, 2023	$3.0B	4.43%	5.0	A+
September 30, 2023	$2.5B	6.21%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bravera Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bravera Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bravera Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bravera Bank

Bank Holding Company BRAVERA HOLDINGS CORP

Address 220 1st Ave W, Dickinson, ND 58601 · Stark

Website https://www.bravera.bank

FDIC Certificate # 22559

Established 19771201

FDIC Insurance Date 19771201

Domestic Offices 35

Total Branches 35

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.49%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3743%

Return on Equity (ROE) 13.3100%

Non-Performing Loans (NPL) 0.66%

Total Assets $3,809,909,000

Total Deposits $3,338,054,000

Equity Capital $398,104,000

Net Income $26,403,000

Headquarters Dickinson

Total Branches and Offices 35

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Bravera Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/bravera-bank-rates-review-22559">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Bravera Bank

How many branches does Bravera Bank operate?

Bravera Bank currently maintains approximately 35 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bravera Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bravera Bank provides members with tools to manage their accounts and build a solid financial history.

Does Bravera Bank offer online and mobile banking?

Most modern institutions like Bravera Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bravera.bank.