BNC National Bank
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Data as of · sourced from FFIEC call reports. How we update
BNC National Bank is an FDIC-insured commercial bank headquartered in Glendale, AZ, established in 2001 (FDIC certificate 57197), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.05B, up 11.1% from Q2 2025, the 3rd largest of 12 banks headquartered in Arizona. Its CET1 capital ratio was 14.87% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57197
- Headquarters
- Glendale, AZ
- Established
- 2001
- Total assets, Q2 2026
- $1.05B
- Assets vs Q2 2025
- +11.1%
- CET1 ratio, Q2 2026
- 14.87%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 091310754
- Latest call report
- Q2 2026, FFIEC 051 · BNC National Bank call report
- Holding company
- BNCCORP, INC.
- Asset rank in state
- 3rd of 12 in Arizona
BNC National Bank, based in Glendale, Arizona, reported $1.0 billion in assets at June 30, 2026, up 11.1% from a year earlier. It shrank its loan book 1.2% over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also funds 12.21% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Net income for the quarter rose 27% from a year earlier, to $3.3 million. Over the same year, loans shrank 1.2% and deposits grew 10.6%.
As of June 30, 2026, BNC National Bank reported a CET1 capital ratio of 14.87%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 4.72%. The figures come from its call report filed with the FFIEC.
Of the 12 banks headquartered in Arizona, BNC National Bank is the 3rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $1.05B, loans fell 0.6% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 29.5% of total loans, followed by owner-occupied commercial real estate loans at 19.7%. Its 12 offices in the FDIC Summary of Deposits are in 8 cities across 2 states; its Bismarck 5 offices book 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, BNC National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 20175 N 67th Ave, Glendale, AZ 85308
- County
- Maricopa
- Metro Area
- Phoenix-Mesa-Chandler, AZ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 9, 2001
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $915.8M
- Allowance for credit losses
- $8.6M
- Net charge-offs (YTD)
- $2.2M
- Average total assets
- $1.04B
- Average total loans
- $731.0M
- Average interest-bearing deposits
- $724.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 9, 2001
- FDIC Cert
- 57197
- Fed RSSD
- 2358769
- SEC CIK
- 945434 → filed by BNCCORP, INC.
- Website
- www.bncbank.com →
- Parent Holding Company
- BNCCORP, INC. (RSSD 1248162)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
BNC National Bank's total assets moved between a low of $912.2M (Q3 2023) and a high of $1.10B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.05B total assets against $940.4M; $924.1M total liabilities against $832.1M.
$721.5M net loans and leases against $730.0M; $915.8M total deposits against $827.7M.
$105.4M securities against $123.4M; $173.1M cash and balances due against $42.7M.
$13.6M total interest income against $12.5M; $3.9M total interest expense against $3.9M.
$9.6M net interest income against $8.7M.
$1.6M total noninterest income against $1.5M; $6.9M total noninterest expense against $6.6M.
$125K provision for credit losses against $225K.
$3.3M net income against $2.6M.
1.25% return on assets against 1.07%; 3.85% net interest margin against 3.76%.
14.87% CET1 capital ratio against 13.32%; 12.21% tier 1 leverage ratio against 12.10%.
Inside the full BNC National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
BNC National Bank rankings
Its closest position to the top of a national ranking is 1,002 of 4,196, for total assets; its furthest is 1,954 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.85% (Q1 2025) to 1.25% (Q2 2026) and its net interest margin ran from 3.46% (Q1 2025) to 3.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.87% | 1.25% | 0.84% | 4.72% | 3.85% |
| Q1 2026 | 14.22% | 1.03% | 0.92% | 5.37% | 3.56% |
| Q4 2025 | 13.98% | 0.92% | 1.24% | 7.31% | 3.69% |
| Q3 2025 | 13.70% | 1.18% | 1.10% | 6.64% | 3.78% |
| Q2 2025 | 13.32% | 1.07% | 0.78% | 4.93% | 3.76% |
| Q1 2025 | 13.56% | 0.85% | 1.04% | 6.34% | 3.46% |
| Q4 2024 | 13.25% | 1.07% | 0.90% | 5.67% | 3.62% |
| Q3 2024 | 15.05% | 1.02% | 0.86% | 4.70% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bnc National Bank Branch | Bismarck , ND | 58501 | $402.3M |
| BNC National Bank (main office) | Glendale , AZ | 85308 | $107.7M |
| Linton Branch | Linton , ND | 58552 | $83.8M |
| Watford City Branch | Watford City , ND | 58854 | $62.5M |
| Stanley Branch | Stanley , ND | 58784 | $59.1M |
| Mandan Branch | Mandan , ND | 58554 | $48.0M |
| North Branch | Bismarck , ND | 58503 | $46.5M |
| Crosby Branch | Crosby , ND | 58730 | $37.1M |
| Sunrise Branch | Bismarck , ND | 58503 | $35.8M |
| Garrison Branch | Garrison , ND | 58540 | $33.0M |
| Auto Bank Branch | Bismarck , ND | 58504 | $0 |
| Bnc Financial Services | Bismarck , ND | 58501 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 8, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 8, 2002 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 20, 2000 | Structure Change | Acquired BNC National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 26, 2010, OCC: Formal Agreement: BNC National Bank
- Period: Most recent institution action January 26, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in AZ, rank 47 of 57 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 157 applications, 121 loans originated, $16.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 13 loans, $7.0M approved, $540K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about BNC National Bank
What are BNC National Bank's total assets?
As of the Q2 2026 filing, BNC National Bank reported total assets of $1.05 billion in its FFIEC call report.
Where is BNC National Bank headquartered?
It is headquartered in Glendale, AZ, United States.
When was BNC National Bank founded?
It was established in 2001, per the FDIC institution directory.
Is BNC National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BNC National Bank?
BNC National Bank's primary federal regulator is the OCC.
What is BNC National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.87% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BNC National Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BNC National Bank's Texas Ratio?
Its Texas Ratio is 4.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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