$1.06B
+10.0%y/y
Percentile by value9th percentileby value
FDIC
ASSETBB
BNC National Bank
Glendale, ArizonaFDIC Cert #57197
OCCEstablished 200113 branches
Holding company: BNCCORP INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBNC National Bank reported $1.06B in total assets. Deposits grew 9.64% over the prior year.
Return on assets was 1.04%, compared with an asset-peer median of 1.16%. The leverage ratio was 11.28%.
- Why is Total Assets below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$938M
+9.6%y/y
Percentile by value15th percentileby value
FDIC
DEP$726M
+5.2%y/y
Percentile by value12th percentileby value
FDIC
LNLSNET1.04%
+20 bpsy/y
Peer standing40th percentile
FDIC
NETINC + ROA62.96%
−797 bpsy/y
Peer standing45th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.28%
−47 bpsy/y
Peer standing65th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.03B | $888M |
| Q3 2021 | $1.07B | $941M |
| Q4 2021 | $1.05B | $918M |
| Q1 2022 | $986M | $866M |
| Q2 2022 | $918M | $799M |
| Q3 2022 | $945M | $829M |
| Q4 2022 | $942M | $838M |
| Q1 2023 | $896M | $790M |
| Q2 2023 | $929M | $822M |
| Q3 2023 | $912M | $807M |
| Q4 2023 | $967M | $854M |
| Q1 2024 | $927M | $814M |
| Q2 2024 | $914M | $800M |
| Q3 2024 | $923M | $803M |
| Q4 2024 | $965M | $859M |
| Q1 2025 | $965M | $856M |
| Q2 2025 | $940M | $828M |
| Q3 2025 | $1B | $885M |
| Q4 2025 | $1.1B | $978M |
| Q1 2026 | $1.06B | $938M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $146M |
| Investor CRE | $223M |
| Multifamily | $36.2M |
| Construction | $29.8M |
| 1–4 family | $59.4M |
| C&I | $138M |
| Agriculture | $39.4M |
| Other | $62.4M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.04%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE9.68%36th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.68%52nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.96%45th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+9.64%76th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+5.22%46th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.92%29th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ11.28%65th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.36%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC219%48th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.04%83rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.92%Median 0.60%90th 1.39%Observations 13
ROE
FDIC
NETINC + ROE9.68%75th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −8.82%Median 6.46%90th 16.09%Observations 13
NIM
FDIC
NIM + NIMY3.68%50th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 3.68%90th 4.80%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.96%83rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 60.08%Median 78.38%90th 110.65%Observations 13
Deposits YoY
FDIC
DEP+9.64%36th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.12%Median +11.57%90th +51.00%Observations 12
Loans YoY
FDIC
LNLSNET+5.22%27th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.36%Median +10.08%90th +62.00%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.92%55th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 1.04%90th 2.97%Observations 12
Leverage
FDIC
RBC1AAJ11.28%50th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.31%Median 11.28%90th 17.63%Observations 13
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.36%82nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.63%Median 2.86%90th 4.03%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC219%57th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 58%Median 192%90th 339%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 13 branches
- Headquarters
- Glendale, AZ
FDIC
OFFDOMOpen the Arizona dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data