BNC National Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BNC National Bank of Glendale, AZ against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.25% | 1.29% | -0.04% | 46th worse half |
| ROAE | 10.91% | 12.61% | -1.70% | 38th worse half |
| Net Interest Margin | 3.85% | 3.71% | +0.14% | 59th better half |
| Efficiency Ratio | 61.12% | 58.32% | +2.80% | 60th worse half |
| PPNR / Avg Assets | 1.68% | 1.75% | -0.07% | 45th worse half |
| Yield on Earning Assets | 5.40% | 5.54% | -0.14% | 41st |
| Cost of Funds | 1.72% | 2.01% | -0.29% | 33rd better half |
| Net Interest Spread | 3.31% | 3.09% | +0.22% | 65th better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.84% | 0.52% | +0.32% | 67th worse half |
| NPA / Total Assets | 0.58% | 0.41% | +0.17% | 63rd worse half |
| NCO / Avg Loans | 0.09% | 0.03% | +0.06% | 71st worse half |
| ACL / Total Loans | 1.18% | 1.15% | +0.03% | 54th |
| ACL / NPLs (Coverage) | 140.88% | 204.05% | -63.17% | 36th worse half |
| Texas Ratio | 4.72% | 3.58% | +1.14% | 59th worse half |
| Provision / NCO | 72.25% | 173.21% | -100.96% | 27th |
| CRE / Total Capital | 220.46% | 223.76% | -3.30% | 48th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 14.87% | 13.52% | +1.35% | 68th better half |
| Tier 1 Ratio | 14.87% | 13.55% | +1.32% | 67th better half |
| Total Capital Ratio | 15.89% | 14.66% | +1.23% | 68th better half |
| Leverage Ratio | 12.21% | 10.52% | +1.69% | 78th best quarter |
| Equity / Assets | 11.57% | 10.38% | +1.19% | 70th better half |
| TCE / Tangible Assets | 11.57% | 9.80% | +1.77% | 78th best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 79.73% | 88.15% | -8.42% | 29th |
| Core Deposit Ratio | 89.61% | 88.46% | +1.15% | 57th better half |
| Borrowings / Total Assets | 0.05% | 3.92% | -3.87% | 4th best quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.13% | 5.45% | +5.68% | 79th |
| Loan Growth (Y/Y) | -1.22% | 5.90% | -7.12% | 12th |
| Deposit Growth (Y/Y) | 10.64% | 5.07% | +5.57% | 76th |
See BNC National Bank's peers by name
The 895 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full BNC National Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the BNC National Bank peer analysis.