Bravera Bank v. Henry Land Holding LLC (North Dakota Commercial Development-Loan Foreclosure)

Lending & Foreclosure Pending
Date
February 2, 2026
Added to tracker
October 8, 2026
Court or forum
District Court, Ward County, North Dakota
State
North Dakota
Amount / scale
Approximately $3 million development loan at issue (approximate figure per reporting)
Parties
Plaintiff: Bravera BankDefendant: Henry Land Holding LLC

Bravera Bank sued former EPIC Companies CEO Todd Berning and associated entities, including Henry Land Holding LLC, alleging roughly $3 million owed on a development loan for nine commercial lots adjacent to the Minot, North Dakota 'The Tracks' development. Several contractors holding subordinate mechanics' liens on the property are also named. A trial was set for February 2, 2026; the outcome was not confirmed in reporting available at the time this entry was added.

Why it matters

The case is a reminder that a developer's personal and affiliated-entity exposure on a commercial land loan can persist, and proceed to trial, even after the developer's primary operating company has already gone through its own Chapter 11 case -- EPIC Companies filed for bankruptcy in July 2024 -- and that mechanics'-lien claimants frequently end up as co-defendants in a lender's foreclosure action on the same parcel.

Original source ↗

A North Dakota bank has taken a commercial land foreclosure dispute to trial against the former CEO of a defunct development company and several affiliated entities, over roughly $3 million the bank says is owed on a loan for nine commercial lots in Minot, North Dakota. Bravera Bank's suit names Todd Berning, the former chief executive of EPIC Companies, along with Henry Land Holding LLC and other associated parties, including principals Brian Kounovsky and William Gokey II.

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CREdocket summarizes public court records and reporting; see our sourcing standards and corrections log. Not legal advice. Facing something similar? Contact us.