BNC National Bank
Glendale, Arizona, Maricopa County
$1.0B in total assets, the 1,031st largest of 4,309 US banks and 3rd of 13 headquartered in Arizona.
- FDIC certificate
- 57197
- Established
- 2001
- Owned by
- Bnccorp Inc
- Primary regulator
- OCC
- Website
- www.bncbank.com
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 4% | $2.0B | |
| Loans | $730M | 9% | $1.4B | |
| Deposits | $916M | 10% | $1.7B | |
| Return on assets | 1.11% | 40% | 1.23% | |
| Net interest margin | 3.77% | 54% | 3.71% | |
| Efficiency ratio | 62.1% | 60% | 59.1% | |
| Equity to assets | 11.57% | 70% | 10.38% | |
| Loans to deposits | 80% | 29% | 88% |
Growth
Total assets grew 0.3% a year over the last 5 years and 1.2% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2002 | BNC National Bank Minneapolis, MN, an affiliate under the same holding company | $543M |
| Nov 2000 | BNC National Bank Bismarck, ND, an affiliate under the same holding company | $390M |
Where they operate
12 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Burleigh County, ND | $485M | 8.7% | 5 of 16 |
| Maricopa County, AZ | $108M | 0.1% | 40 of 55 |
| Emmons County, ND | $84M | 30.1% | 2 of 4 |
| Mckenzie County, ND | $62M | 4.5% | 3 of 3 |
| Mountrail County, ND | $59M | 5.8% | 3 of 3 |
| Morton County, ND | $48M | 3.7% | 8 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 4 branches since 2016 (16 to 12, −25.0%). 1 opened, 0 acquired, 5 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 16 | |||
| 2016 | Opened Bismarck | 1 | 0 | +1 | 17 |
| 2017 | Closed Bismarck | 0 | 1 | −1 | 16 |
| 2018 | Sold 1 branch to State Bank & Trust of KenmareClosed Scottsdale | 0 | 2 | −2 | 14 |
| 2021 | Closed Bismarck and Golden Valley | 0 | 2 | −2 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 49% | 32% | |
| Business (C&I) | 18% | 14% | |
| 1-4 family residential | 8% | 25% | |
| Consumer | 8% | 4% | |
| Multifamily | 5% | 8% | |
| Construction and land | 5% | 8% | |
| Farmland | 3% | 3% | |
| Agricultural | 2% | 2% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 67% | 52% | |
| Noninterest-bearing | 21% | 21% | |
| Time deposits | 13% | 27% |
Brokered deposits are 7.5% of deposits (peers 6.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.84% | 0.51% |
| Net charge-offs, annualized | 0.61% | 0.04% |
| Reserves to loans | 1.18% | 1.15% |
| Leverage ratio | 12.21% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arizona
Largest competitors in Burleigh County, ND
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/bnc