VISIONBank

What VISIONBank does

Bravera Bank operates as the banking division of Bravera Holdings Corp, a community financial services holding company that also encompasses Bravera Insurance and Bravera Wealth. The institution traces its roots to 1906 and today runs 37 branches across 27 communities in North Dakota, Montana, and Minnesota, anchored by its Dickinson, ND headquarters. It serves three primary customer segments — personal banking consumers, small and mid-sized businesses, and agricultural operators across the Upper Midwest — supplemented by high-net-worth wealth management clients and farm/ranch insurance customers.

The core product set spans personal and business checking and savings, mortgages and personal loans, commercial and agricultural lending, personal and business credit cards, private banking, and group benefits insurance. The technology stack is conventional community-bank infrastructure: Jack Henry provides core banking and treasury management, Fiserv's Clover Flex is integrated for merchant card acceptance, Equipt (OSIA) supports wealth planning and investing, and customer-facing channels include online banking, iOS/Android mobile apps, Zelle P2P transfers, contactless payments, card management, and dedicated digital business and agribusiness banking portals.

The business model is a traditional bank holding company revenue mix: net interest income from loans (ag, commercial, personal, mortgage) net of deposit costs is the primary driver, supplemented by deposit account and overdraft fees, insurance commissions through Bravera Insurance, trust and investment fees through Bravera Wealth, credit card interchange, and merchant services revenue from Clover Flex. Distribution is hybrid — 37 physical branches provide relationship-led local decision-making for ag and SMB lending, while digital channels handle routine consumer transactions. Go-to-market is community-led, emphasizing local presence, personalized service, and cross-sell of the three integrated financial services divisions under one brand.

Name

VISIONBank

Legal name

Bravera Bank

Website

https://visionbanks.com

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

11–50 employees

Short description

Bravera Bank is a community bank holding company offering personal, business, and agricultural banking alongside insurance and wealth management across 37 branches in North Dakota, Montana, and Minnesota.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Community banking services
• Agricultural lending
• Business banking solutions
• Wealth management services
• Commercial insurance products

Headquarters

HQ city

Fargo

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Traditional banking revenue from interest earned on loans (agricultural, commercial, personal, mortgages) minus interest paid on deposits. Core revenue driver for regional bank.
2. Deposit Account Fees: Monthly service fees, overdraft fees, and other account-related charges on personal, business, and agricultural checking/savings accounts.
3. Insurance Products: Revenue from insurance products offered through Bravera Insurance including personal, business, group benefits, and farm/ranch coverage.
4. Wealth Management Services: Trust administration, retirement planning, estate planning, and investment management services offered through Bravera Wealth.
5. Credit Card Services: Transaction fees and interchange revenue from personal and business credit card programs.
6. Digital Payment Services: Revenue from payment processing solutions including Clover Flex merchant services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

VISIONBank operates a regional community banking franchise delivering deposit products (checking and savings accounts), lending products (personal loans, mortgages, commercial loans, agricultural loans), and payment services (credit cards, contactless payments, merchant card acceptance) to individuals, businesses, and agricultural operators across North Dakota, Montana, and Minnesota. Through affiliated Bravera Insurance and Bravera Wealth entities under the Bravera Holdings Corp holding company, it also distributes personal and commercial insurance coverage and wealth, trust, retirement, and mineral rights management services. Digital channels including online banking, mobile banking, Zelle, and Clover Flex merchant payments complement the 37-branch physical distribution network.

Product overview

Bravera Bank operates as a comprehensive financial services organization consisting of three integrated divisions: Bravera Bank (banking), Bravera Insurance, and Bravera Wealth. The banking division offers personal, business, and agricultural banking products including checking, savings, loans, mortgages, credit cards, and digital banking services. The digital banking platform provides online and mobile banking, card management, contactless payments, and Zelle integration. The Insurance division covers personal, business, group benefits, and farm/ranch insurance. The Wealth division provides trust and mineral management, retirement planning, estate planning, and investment services. The three entities collectively offer customers a complete financial services package across 37 locations in 27 communities.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Comprehensive personal banking services including checking accounts, savings accounts, personal loans, mortgages, and personal credit cards for individual consumers in North Dakota, Montana, and Minnesota communities.
• Business Banking Full suite of business banking services including business checking, savings, loans, credit cards, digital business banking, payables, receivables, and fraud prevention tools for small and mid-sized businesses.
• Agricultural Banking Specialized banking services for the agricultural sector including ag checking, savings, loans, credit cards, and agribusiness services tailored for farmers, ranchers, and agribusiness operators in the Upper Midwest.
• Online and Mobile Banking Digital banking platform enabling customers to access accounts, manage finances, transfer funds, pay bills, send Zelle transfers, and conduct transactions via web and mobile applications on iOS and Android.
• Wealth Management Wealth management services under Bravera Wealth including trust administration, mineral management, retirement planning, estate planning, and investment management services for high-net-worth individuals and families.
• Insurance Services Insurance products and services offered through Bravera Insurance including personal insurance, business insurance, group benefits, farm and ranch coverage, and after-hours claims reporting.
• Clover Flex Merchant Payment Acceptance Card reader device (Clover Flex by Fiserv) that enables merchants to accept card payments from customers; a sleek, compact payment solution offered as part of the bank's merchant services.
• Private Banking Premium banking services for high-net-worth individuals requiring personalized financial services.
• Agribusiness Services Comprehensive agribusiness solutions including online and mobile banking, payables, receivables, and fraud prevention specifically for agricultural businesses.
• Group Benefits Employer-sponsored benefit solutions including insurance products designed to help businesses retain employees.

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Clover (Fiserv)coreTechnology or IntegrationClover Flex integrated payment solution offered to merchants for card payment acceptance. Sleek, compact card reader enabling businesses to accept customer payments.
• Jack HenrycoreTechnology or IntegrationJack Henry Treasury Management platform used for commercial treasury services login. Core banking technology infrastructure provider.
• FDICcoreOthersFederal Deposit Insurance Corporation providing deposit insurance backing customer deposits up to $250,000.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bell Bank: Fargo-headquartered privately held community bank with multi-state presence and full-service banking, mortgage, and wealth offerings — a near-direct Upper Midwest comparable with similar customer-centric brand positioning.
• Starion Bank: Bismarck-based North Dakota community bank with branches across ND and Minnesota offering personal, business, and ag banking with a comparable relationship-led model and regional footprint.
• Gate City Bank: Fargo-headquartered mutual-holding community bank serving North Dakota and western Minnesota — the dominant mutual-community banking competitor in Bravera's core market with similar full-service personal/business/ag focus.
• First International Bank & Trust: Watford City-based, family-owned community bank with branches across North Dakota and Montana, similarly rooted in Western North Dakota energy and agricultural communities with deep deposit franchise and personal service orientation.
• Cornerstone Bank: North Dakota community bank with branches across central and western ND offering personal, business, and ag banking, directly overlapping Bravera's agricultural lending market in the state.
• First Western Bank & Trust: Family-owned community bank headquartered in Williston, ND with branches across western North Dakota and ag/commercial lending focus — competes in the same ND western markets and ag banking niche as Bravera.
• Glacier Bancorp: Kalispell, Montana-based community bank holding company with a multi-state footprint of community banks across the Mountain West and Upper Midwest, closely matching Bravera's model of operating regional community banks under a single holding company with localized decisioning.
• Stockman Bank of Montana: Montana's largest privately held community bank with broad statewide Montana presence and ag/commercial/personal banking — overlapping directly with Bravera's Montana footprint and ag focus.

Broad incumbents

• U.S. Bancorp: Minneapolis-based super-regional bank with deep retail, commercial, and wealth operations across the Upper Midwest, including all three of Bravera's markets — the dominant broad incumbent whose digital scale and product breadth overlap with Bravera's serviceable footprint.
• HTL Bancorp (formerly Heartland Financial USA): Dubuque-based multi-state community bank holding company operating a network of community banks across the Midwest and Western U.S., structurally analogous to Bravera Holdings Corp in operating localized community bank subsidiaries under one parent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/bankwithvision
• YouTubeyoutube.com/braverabank
• Facebookfacebook.com/VISIONBanks
• LinkedInlinkedin.com/company/visionbank-fargo-nd
• Instagraminstagram.com/braverabank
• TikToktiktok.com/@braverabank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about VISIONBank