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
Unfavorable gap of $21.3M · efficiency ratio beats 41% of banks $1B-$10B in assets | 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 |