Lenders › Bravera Bank
7(a) lenderDickinson, North DakotaFDIC-insured bank208th of 2,184 by approvals
Bravera Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
In FY2021 to FY2025 SBA approved 185 7(a) loans, worth $35.8M, through Bravera Bank of Dickinson, North Dakota, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 208th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 21 approvals totalling $4.1M, down 16% on FY2024 (25). FY2026 to 30 Jun 2026 adds 7 more.
The median approval was $76K, against $190K for the 7(a) program as a whole; 65.4% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 8 states and territories and 30 counties, led by Minnesota (56.2%), North Dakota (31.9%) and Montana (8.1%). The largest industry group was construction at 27.0% of approvals, and 4.3% of approvals were to franchise businesses.
Of 405 disbursed loans approved in FY2010 to FY2021, SBA records 17 as charged off (4.2%), 338 as paid in full and 50 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 7 | $978K | $70K | $140K | 49 |
| FY2025 | 21 | $4.1M | $170K | $196K | 157 |
| FY2024 | 25 | $4.6M | $115K | $184K | 206 |
| FY2023 | 31 | $8.7M | $100K | $282K | 239 |
| FY2022 | 60 | $9.2M | $39K | $154K | 455 |
| FY2021 | 48 | $9.1M | $71K | $189K | 353 |
| FY2020 | 21 | $2.6M | $100K | $126K | 128 |
| FY2019 | 29 | $3.0M | $80K | $105K | 274 |
| FY2018 | 54 | $5.9M | $65K | $110K | 410 |
| FY2017 | 51 | $6.3M | $58K | $124K | 364 |
| FY2016 | 31 | $5.1M | $80K | $163K | 344 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 186 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Minnesota | 7(a) program |
|---|---|---|---|
| Approvals in these years | 438 | 18,934 | 639,905 |
| Cancelled or never disbursed | 33 | 2,040 | 79,313 |
| Disbursed loans | 405 | 16,894 | 560,592 |
| Paid in full | 338 | 13,664 | 435,813 |
| Charged off | 17 | 778 | 36,891 |
| Still outstanding (status exempt from disclosure) | 50 | 2,452 | 87,888 |
| Charged off, share of disbursed loans | 4.2% | 4.6% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.5% | 2.4% | 2.5% |
| Dollars charged off | $1.6M | $131M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 42 | 20 | 0 | 0.0% | 2.8% |
| FY2020 | 20 | 13 | 0 | — | 4.0% |
| FY2019 | 28 | 21 | 1 | — | 6.7% |
| FY2018 | 49 | 46 | 0 | 0.0% | 7.9% |
| FY2017 | 47 | 39 | 1 | 2.1% | 7.7% |
| FY2016 | 31 | 30 | 0 | 0.0% | 7.2% |
| FY2015 | 25 | 25 | 0 | — | 6.9% |
| FY2014 | 27 | 26 | 0 | — | 6.4% |
| FY2013 | 30 | 28 | 1 | 3.3% | 6.0% |
| FY2012 | 33 | 31 | 1 | 3.0% | 6.3% |
| FY2011 | 47 | 38 | 8 | 17.0% | 6.9% |
| FY2010 | 26 | 21 | 5 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $76K | $190K |
| Average approval | $193K | $518K |
| Approvals of $150,000 or less | 65.4% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 46.5% | 34.3% |
| Approvals to franchise businesses | 4.3% | 11.5% |
| Jobs supported per approval, as reported | 7.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.2% | 6.6% |
States served
| # | State of the business (8 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Minnesota | 104 | $18.2M | 56.2% | |
| 2 | North Dakota | 59 | $7.1M | 31.9% | |
| 3 | Montana | 15 | $4.3M | 8.1% | |
| 4 | South Dakota | 3 | $646K | 1.6% | |
| 5 | Illinois | 1 | — | 0.5% | |
| 6 | Wyoming | 1 | — | 0.5% | |
| 7 | Florida | 1 | — | 0.5% | |
| 8 | Nevada | 1 | — | 0.5% |
In Minnesota the lender accounts for 1.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (30 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Cass County, ND | 55 | $6.5M | 29.7% | |
| 2 | Wright County, MN | 31 | $3.9M | 16.8% | |
| 3 | Hennepin County, MN | 24 | $7.3M | 13.0% | |
| 4 | Anoka County, MN | 12 | $2.8M | 6.5% | |
| 5 | Sherburne County, MN | 11 | $1.3M | 5.9% | |
| 6 | Cascade County, MT | 6 | $925K | 3.2% | |
| 7 | Lewis and Clark County, MT | 5 | $1.7M | 2.7% | |
| 8 | Kandiyohi County, MN | 5 | $341K | 2.7% | |
| 9 | Norman County, MN | 5 | $315K | 2.7% | |
| 10 | Yellowstone County, MT | 3 | $1.5M | 1.6% | |
| 11 | Mille Lacs County, MN | 3 | $900K | 1.6% | |
| 12 | Ramsey County, MN | 3 | $600K | 1.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 50 | 27.0% | |
| 2 | Administrative and Support and Waste Management and Remediation Services | 21 | 11.4% | |
| 3 | Retail Trade | 21 | 11.4% | |
| 4 | Health Care and Social Assistance | 16 | 8.6% | |
| 5 | Professional, Scientific, and Technical Services | 15 | 8.1% | |
| 6 | Accommodation and Food Services | 14 | 7.6% | |
| 7 | Other Services (except Public Administration) | 12 | 6.5% | |
| 8 | Transportation and Warehousing | 6 | 3.2% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 16 | 8.6% | |
| 2 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 15 | 8.1% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 10 | 5.4% | |
| 4 | Residential Building ConstructionNAICS 2361 | 10 | 5.4% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 4.9% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 8 | 4.3% | |
| 7 | Personal Care ServicesNAICS 8121 | 7 | 3.8% | |
| 8 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 6 | 3.2% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 2.7% | |
| 10 | General Freight TruckingNAICS 4841 | 5 | 2.7% |
Approval sizes
- $50,000 or less41.1%76
- $50,001 to $150,00024.3%45
- $150,001 to $350,00024.3%45
- $350,001 to $1 million8.6%16
- $1 million to $2 million0.5%1
- Over $2 million1.1%2
Loan terms
- 5 years or less11.9%22
- Over 5 to 10 years78.9%146
- Over 10 to 20 years8.6%16
- Over 20 years0.5%1
Age of the businesses
- Existing, more than 2 years old48.1%89
- New business, 2 years or less27.0%50
- Startup, loan funds will open the business19.5%36
- Change of ownership5.4%10
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 115 | 62.2% | |
| 2 | 7a General | 66 | 35.7% | |
| 3 | Seasonal CAPLine | 2 | 1.1% | |
| 4 | Working Capital CAPLine | 2 | 1.1% |
Franchise share
8 of 185 approvals in FY2021–FY2025 (4.3%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Fantastic Sams | 2 | 1.1% | |
| 2 | Ramada | 1 | 0.5% | |
| 3 | Liberty Tax Service | 1 | 0.5% | |
| 4 | Hotworx | 1 | 0.5% | |
| 5 | Farmers Insurance Agent Appointment Agreement | 1 | 0.5% | |
| 6 | Play It Again Sports | 1 | 0.5% | |
| 7 | Dairy Queen Montana | 1 | 0.5% |
Questions and answers
How many SBA loans does Bravera Bank make?
SBA approved 21 7(a) loans through Bravera Bank in FY2025, worth $4.1M, and 185 over FY2021 to FY2025. That ranks 208th of 2,184 active 7(a) lenders by number of approvals.
How large are Bravera Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $76K and the average $193K. The program-wide median was $190K.
What is Bravera Bank's charge-off rate?
Of 405 disbursed loans approved in FY2010 to FY2021, SBA records 17 as charged off (4.2%), 338 as paid in full and 50 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Bravera Bank lend to most?
By number of approvals in FY2021 to FY2025: services to buildings and dwellings (16); foundation, structure, and building exterior contractors (15); building equipment contractors (10); residential building construction (10).
Where does Bravera Bank make SBA loans?
In 8 states and territories. Minnesota 104, North Dakota 59, Montana 15, South Dakota 3, Illinois 1. In Minnesota it accounts for 1.3% of all 7(a) approvals.
Is Bravera Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 77, against 129 in the three before: falling (-40%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error