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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 1.21% | 0.91% | 1.04% | 1.24% | +16 bps | |
| Return on Equity | 9.59% | 10.63% | 8.38% | 9.68% | 10.91% | +132 bps | |
| Net Interest Margin | 3.66% | 3.68% | 3.59% | 3.45% | 3.73% | +7 bps | |
| Efficiency Ratio | 64.95% | 62.19% | 60.83% | 62.96% | 61.21% | -375 bps | |
| Non-Interest Burden | 2.14% | 2.05% | 1.93% | 1.96% | 2.04% | -10 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 / Loans | 0.78% | 1.10% | 1.24% | 0.92% | 0.84% | +5 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.00% | 0.06% | 1.12% | 0.09% | -13 bps | |
| Allowance / Loans | 1.24% | 1.27% | 1.40% | 1.18% | 1.18% | -6 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.2x | 1.1x | 1.3x | 1.4x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.10% | 11.91% | 11.71% | 11.28% | 12.21% | +10 bps | |
| Total Risk-Based Capital | 14.39% | 14.80% | 15.19% | 15.24% | 15.89% | +150 bps | |
| Equity / Assets | 11.52% | 11.19% | 10.47% | 11.10% | 11.57% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.30% | 82.81% | 75.55% | 78.30% | 79.73% | -957 bps | |
| Liquid Assets / Assets | 3.44% | 10.53% | 18.03% | 15.59% | 15.69% | +1,226 bps | |
| CRE / Total Capital | n/a | 364% | 363% | 354% | n/a | n/a | |