Bank Comparison
Border Bank vs Bnc National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Border Bank | Bnc National Bank |
|---|---|---|
| CET1 Ratio | 10.22% | 14.22% |
| Tier 1 Capital Ratio | 10.22% | 14.22% |
| Total Capital Ratio | 11.48% | 15.24% |
| Tier 1 Leverage Ratio | 8.93% | 11.28% |
| Equity / Assets | 8.84% | 11.10% |
Profitability
| Metric | Border Bank | Bnc National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.12% | 1.03% |
| Return on Equity (ROE) | 12.82% | 9.68% |
| Net Interest Margin (NIM) | 3.80% | 3.56% |
| Yield on Earning Assets | 5.83% | 5.26% |
| Cost of Funds | 2.13% | 1.88% |
Asset quality
| Metric | Border Bank | Bnc National Bank |
|---|---|---|
| Texas Ratio | 25.40% | 5.37% |
| Non-Performing Loan Ratio | 2.65% | 0.92% |
| Non-Performing Asset Ratio | 2.38% | 0.64% |
| Net Charge-Off Ratio | 0.18% | 1.11% |
| ACL / Loans | 1.39% | 1.18% |
Balance sheet
| Metric | Border Bank | Bnc National Bank |
|---|---|---|
| Total Assets | $1,063M | $1,061M |
| Total Deposits | $915,673K | $938,240K |
| Total Loans | $905,955K | $734,622K |
| Total Equity | $94,017K | $117,805K |
| Net Income (quarter) | $2,996K | $2,817K |
Liquidity & funding
| Metric | Border Bank | Bnc National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.94% | 78.30% |
| Core Deposit Ratio | 94.41% | 97.28% |
| Uninsured Deposit Ratio | 23.74% | — |
Identity
| Metric | Border Bank | Bnc National Bank |
|---|---|---|
| Headquarters City | FARGO | GLENDALE |
| Headquarters State | ND | AZ |
| Asset Tier | Large | Large |
| Charter Class | 0 | 22973 |
| Regulator | FDIC | OCC |
| Domestic Branches | 11 | 12 |
| Employees (FTE) | 141 | 125 |
| Established | Aug. 9, 1935, midnight | Jan. 22, 1996, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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