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BNC National Bank

Glendale, AZ · Cert 57197 · Bnccorp Inc.

National charter · OCC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

BNC National Bank

Glendale, AZ · Cert 57197 · Bnccorp Inc.

National charter · OCC · 12 branches

Q2 2026

$1.0BAssets
$730.2MLoans
$915.8MDeposits
$120.9MEquity
Loan mix
73%RE $520.0M19%C&I $138.2M8%Consumer $56.8MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $726.6M21%Noninterest $189.2MQ2 2025Q2 2026

NIM

5.06%Q2 ’245.14%Q2 ’255.28%Q2 ’26-1%+4%

Non-interest income vs. expense

2.93%Q2 ’242.80%Q2 ’252.64%Q2 ’26-2%-6%

Market Position · Bismarck, ND · 2026 SOD (annual) · 7.7% share · #6 of 18 inst. · $0.5B of $6.9B

8.7% Burleigh
0.1% Maricopa
30.1% Emmons
4.5% McKenzie

Executive Summary

  • Earnings: ROA of 1.14%, up 18 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.84% of loans (+5 bps YoY), with net charge-offs at 0.61%.
  • Capital: tier 1 leverage ratio of 12.21%, up 10 bps from a year ago.
  • Funding: loans stand at 79.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+16 bps YoY

Efficiency Ratio (YTD, annualized)

62.07%-577 bps YoY

Tier 1 Leverage Ratio

12.21%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.04%1.00%1.04%1.14%+18 bps
Return on Equity8.77%9.41%9.14%9.68%10.30%+153 bps
Net Interest Margin3.53%3.48%3.41%3.45%3.69%+16 bps
Efficiency Ratio67.84%65.87%64.55%62.96%62.07%-577 bps
Non-Interest Burden2.17%2.07%1.98%1.96%2.05%-12 bps
Growth
Asset Growth (YoY)2.86%8.59%13.83%9.97%11.13%+827 bps
Loan Growth (YoY)7.59%7.26%5.72%5.06%-1.22%-881 bps
Deposit Growth (YoY)3.49%10.18%13.87%9.64%10.64%+715 bps
Asset Quality
Nonperforming Loans / Loans0.78%1.10%1.24%0.92%0.84%+5 bps
Net Charge-Offs / Loans0.12%0.08%0.07%1.12%0.61%+49 bps
Allowance / Loans1.24%1.27%1.40%1.18%1.18%-6 bps
Allowance Coverage of NPLs1.6x1.2x1.1x1.3x1.4x-0.2x
Capital
Tier 1 Leverage Ratio12.10%11.91%11.71%11.28%12.21%+10 bps
Total Risk-Based Capital14.39%14.80%15.19%15.24%15.89%+150 bps
Equity / Assets11.52%11.19%10.47%11.10%11.57%+5 bps
Liquidity & Funding
Loans / Deposits89.30%82.81%75.55%78.30%79.73%-957 bps
Liquid Assets / Assets3.44%10.53%18.03%15.59%15.69%+1,226 bps
CRE / Total Capitaln/a364%363%354%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

BNC National Bank

Glendale, AZ · Cert 57197 · Peer group: banks $1B-$10B in assets (n=322-328) · Bnccorp Inc.

National charter · OCC · 12 branches

Q2 2026

$1.0BAssets
$730.2MLoans
$915.8MDeposits
$120.9MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 72% of banks $1B-$10B in assets (rank 93 of 328).
  • Widest gap: net charge-offs / loans trails 91% of banks $1B-$10B in assets (rank 293 of 322).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.16%

Rank 186 of 328

Net Interest Margin

3.69%

Rank 106 of 328

Efficiency Ratio

62.07%

Rank 193 of 328

Equity / Assets

11.57%

Rank 99 of 328

Non-interest income vs. expense

$6.2M$27.5MINCOMEEXPENSE
Unfavorable gap of $21.3M · efficiency ratio beats 41% of banks $1B-$10B in assets
Bank 62.07%Peer median 59.6%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.91%1.22%1.52%Beats 43%186 / 328
Return on Equity10.04%8.43%11.45%14.43%Beats 36%211 / 328
Net Interest Margin3.69%3.03%3.45%3.83%Beats 68%106 / 328
Efficiency Ratio62.07%51.61%59.56%67.53%Beats 41%193 / 328
Asset Quality
Nonperforming Loans / Loans0.84%0.24%0.51%1.03%Beats 33%218 / 322
Net Charge-Offs / Loans0.32%0.01%0.03%0.10%Beats 9%293 / 322
Capital
Tier 1 Capital Ratio14.87%11.75%13.15%15.47%Beats 70%99 / 328
Total Risk-Based Capital Ratio15.89%12.63%14.15%16.46%Beats 72%93 / 328
Equity / Assets11.57%9.15%10.33%12.01%Beats 70%99 / 328
Liquidity & Funding
Loans / Deposits79.73%76.63%87.92%95.36%30th pctl226 / 323
Loans / Assets69.87%65.18%74.15%79.98%36th pctl211 / 328
Brokered Deposits / Depositsn/aNot reported for this institution