Glendale, AZ · Cert 57197 · Bnccorp Inc.
National charter · OCC · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
71
Asset Quality
21
Profitability
49
Liquidity
65
Efficiency
41
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.
Glendale, AZ · Cert 57197 · Bnccorp Inc.
National charter · OCC · 12 branches
Q2 2026
Market Position · Bismarck, ND · 2026 SOD (annual) · 7.7% share · #6 of 18 inst. · $0.5B of $6.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.98% | 0.85% | 0.96% | 1.04% | 1.00% | 1.04% | 1.14% | +18 bps | |
| Return on Equity | 8.09% | 8.48% | 7.91% | 8.77% | 9.41% | 9.14% | 9.68% | 10.30% | +153 bps | |
| Net Interest Margin | 3.48% | 3.46% | 3.37% | 3.53% | 3.48% | 3.41% | 3.45% | 3.69% | +16 bps | |
| Efficiency Ratio | 68.31% | 67.18% | 70.93% | 67.84% | 65.87% | 64.55% | 62.96% | 62.07% | -577 bps | |
| Non-Interest Burden | 2.14% | 2.08% | 2.19% | 2.17% | 2.07% | 1.98% | 1.96% | 2.05% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.16% | -0.16% | 4.13% | 2.86% | 8.59% | 13.83% | 9.97% | 11.13% | +827 bps | |
| Loan Growth (YoY) | 2.71% | 4.47% | 3.16% | 7.59% | 7.26% | 5.72% | 5.06% | -1.22% | -881 bps | |
| Deposit Growth (YoY) | -0.48% | 0.51% | 5.15% | 3.49% | 10.18% | 13.87% | 9.64% | 10.64% | +715 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.86% | 0.90% | 1.04% | 0.78% | 1.10% | 1.24% | 0.92% | 0.84% | +5 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.10% | 0.02% | 0.12% | 0.08% | 0.07% | 1.12% | 0.61% | +49 bps | |
| Allowance / Loans | 1.40% | 1.32% | 1.33% | 1.24% | 1.27% | 1.40% | 1.18% | 1.18% | -6 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.5x | 1.3x | 1.6x | 1.2x | 1.1x | 1.3x | 1.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.33% | 11.89% | 11.74% | 12.10% | 11.91% | 11.71% | 11.28% | 12.21% | +10 bps | |
| Total Risk-Based Capital | 16.24% | 14.38% | 14.70% | 14.39% | 14.80% | 15.19% | 15.24% | 15.89% | +150 bps | |
| Equity / Assets | 12.50% | 10.50% | 10.89% | 11.52% | 11.19% | 10.47% | 11.10% | 11.57% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.07% | 81.37% | 81.71% | 89.30% | 82.81% | 75.55% | 78.30% | 79.73% | -957 bps | |
| Liquid Assets / Assets | 6.30% | 8.08% | 9.31% | 3.44% | 10.53% | 18.03% | 15.59% | 15.69% | +1,226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 364% | 363% | 354% | n/a | n/a | |
Glendale, AZ · Cert 57197 · Peer group: banks $1B-$10B in assets (n=322-328) · Bnccorp Inc.
National charter · OCC · 12 branches
Q2 2026
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.91% | 1.22% | 1.52% | Beats 43% | 186 / 328 | ||
| Return on Equity | 10.04% | 8.43% | 11.45% | 14.43% | Beats 36% | 211 / 328 | ||
| Net Interest Margin | 3.69% | 3.03% | 3.45% | 3.83% | Beats 68% | 106 / 328 | ||
| Efficiency Ratio | 62.07% | 51.61% | 59.56% | 67.53% | Beats 41% | 193 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.24% | 0.51% | 1.03% | Beats 33% | 218 / 322 | ||
| Net Charge-Offs / Loans | 0.32% | 0.01% | 0.03% | 0.10% | Beats 9% | 293 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.87% | 11.75% | 13.15% | 15.47% | Beats 70% | 99 / 328 | ||
| Total Risk-Based Capital Ratio | 15.89% | 12.63% | 14.15% | 16.46% | Beats 72% | 93 / 328 | ||
| Equity / Assets | 11.57% | 9.15% | 10.33% | 12.01% | Beats 70% | 99 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.73% | 76.63% | 87.92% | 95.36% | 30th pctl | 226 / 323 | ||
| Loans / Assets | 69.87% | 65.18% | 74.15% | 79.98% | 36th pctl | 211 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||