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 | |