BNC NATIONAL BANK

GLENDALE, AZ | Large | Est. July 9, 2001, midnight | FDIC #57197 | RSSD #2358769 | OCC
Latest Report: 2025-12-31

BNC NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in GLENDALE, AZ, established in July 9, 2001, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $978M. Profitability stands at 0.91% ROA and 8.38% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 13.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.24% and a Texas Ratio of 7.31%. FDIC Certificate #57197.

Assets

$1.1B

Deposits

$978M

Loans

$739M

Equity

$115M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 8.38%
Net Interest Margin (NIM) 3.81%
Yield on Assets 5.62%
Cost of Funds 1.88%

Asset Quality

NPL Ratio 1.24%
Net Charge-Off Ratio 0.07%
Texas Ratio 7.31%
NPA Ratio 0.83%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 13.98%
Tier 1 Capital 13.98%
Total Capital Ratio 15.19%
Leverage Ratio 11.71%
Loan-to-Deposit 75.55%

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