BNC National Bank
Glendale, AZ · Cert 57197 · Peer group: banks $1B-$10B in assets (n=313-319) · 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 73% of banks $1B-$10B in assets (rank 86 of 319).
- Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets (rank 282 of 313).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.16%
Rank 177 of 319
Net Interest Margin
3.69%
Rank 106 of 319
Efficiency Ratio
62.07%
Rank 186 of 319
Equity / Assets
11.57%
Rank 94 of 319
Non-interest income vs. expense
Unfavorable gap of $21.3M · efficiency ratio beats 42% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.91% | 1.21% | 1.53% | Beats 45% | 177 / 319 | |
| Return on Equity | 10.04% | 8.49% | 11.44% | 14.57% | Beats 35% | 207 / 319 | |
| Net Interest Margin | 3.69% | 3.06% | 3.43% | 3.81% | Beats 67% | 106 / 319 | |
| Efficiency Ratio | 62.07% | 51.90% | 59.57% | 67.64% | Beats 42% | 186 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.25% | 0.54% | 1.18% | Beats 35% | 206 / 313 | |
| Net Charge-Offs / Loans | 0.32% | 0.01% | 0.04% | 0.12% | Beats 10% | 282 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 14.87% | 11.74% | 12.99% | 15.28% | Beats 71% | 91 / 319 | |
| Total Risk-Based Capital Ratio | 15.89% | 12.61% | 14.01% | 16.23% | Beats 73% | 86 / 319 | |
| Equity / Assets | 11.57% | 9.03% | 10.33% | 12.01% | Beats 71% | 94 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 79.73% | 76.76% | 88.16% | 95.43% | 29th pctl | 223 / 314 | |
| Loans / Assets | 69.87% | 65.79% | 74.05% | 79.84% | 35th pctl | 208 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |