BlastPoint's Banking Scorecard
BNC National Bank
Designations: ✓ Community bank
Glendale, AZ
13 branches across ND · AZ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 1 in AZ.
- Deposits +10.6% year over year ($915.8M on the books).
- Delinquency rate 0.85%.
- Return on assets 1.14%.
- Efficiency ratio 62.07% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.79% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
BNC National Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Net Interest Margin 0.10% below tier average
- - Efficiency Ratio 2.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+11.1% YoY
-1.5% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$17.4B
+6.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.0% in tier |
| Total Loans ? |
$721.5M
-1.2% YoY
-0.6% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$9.3B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.6% in tier |
| Total Deposits ? |
$915.8M
+10.6% YoY
-2.4% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$14.8B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.2% in tier |
| Return on Assets ? |
1.14%
+18.3% YoY
+9.0% QoQ
|
-0.25% |
1.39%
+17.0% YoY
|
0.35%
+477.8% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.77%
+1.0% YoY
+2.3% QoQ
|
-0.10% |
3.87%
+6.2% YoY
|
3.96%
+2.3% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
62.07%
-8.5% YoY
-1.4% QoQ
|
+2.34% |
59.73%
-12.6% YoY
|
81.56%
-13.3% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.85%
+6.8% YoY
-9.3% QoQ
|
-0.02% |
0.87%
+11.7% YoY
|
1.46%
+76.6% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
78.79%
-10.7% YoY
+1.8% QoQ
|
-6.25% |
85.04%
-0.1% YoY
|
84.92%
+5.8% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
20.66%
-5.5% YoY
+11.0% QoQ
|
-0.61% |
21.27%
-1.5% YoY
|
24.29%
+4.4% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.58%
-5.0% YoY
-8.5% QoQ
|
-0.09% |
0.67%
+11.7% YoY
|
1.10%
+71.6% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
14.87%
+11.6% YoY
+4.5% QoQ
|
+0.02% |
14.84%
-0.4% YoY
|
14.82%
-13.7% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.30%
-6.9% YoY
+108.0% QoQ
|
-0.23% |
0.53%
+2.5% YoY
|
0.29%
-0.6% YoY
|
0.66%
+5.2% YoY
|
50% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.7%
-1.2pp YoY +2.0pp QoQ |
-0.7pp | 21.4% | 24.3% | 22.2% | 54% |
| Brokered Deposits |
7.5%
+0.6pp YoY -2.3pp QoQ |
-2.0pp | 9.5% | 7.6% | 8.5% | 60% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.6%
-0.5pp YoY -0.4pp QoQ |
+4.6pp | 14.0% | 20.4% | 12.5% | 77% |
| CRE |
59.6%
+0.8pp YoY -0.3pp QoQ |
+9.6pp | 50.0% | 53.9% | 41.4% | 75% |
| 1-4 Family |
8.4%
+0.1pp YoY +0.2pp QoQ |
-18.0pp | 26.4% | 22.4% | 31.3% | 12% |
| Consumer |
7.9%
-0.5pp YoY +0.1pp QoQ |
+3.2pp | 4.7% | 11.3% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.9%
+1.5pp YoY +0.6pp QoQ |
-0.7pp | 15.6% | 16.6% | 19.7% | 68% |
| Leverage Ratio |
12.2%
+0.1pp YoY +0.9pp QoQ |
+0.9pp | 11.3% | 11.4% | 12.6% | 78% |
| Total Capital Ratio |
15.9%
+1.5pp YoY +0.7pp QoQ |
-0.8pp | 16.7% | 17.8% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
122
-9 (-6.9%) YoY -3 (-2.4%) QoQ |
-192 | 313 | 1,366 | 482 | 14% |
| Assets per Employee ($) |
$8.6M
+19.3% YoY +0.9% QoQ |
-$1.9M | $10.5M | $9.6M | $8.8M | 48% |
| Branch Count |
13
0 YoY 0 QoQ |
-7 | 20 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 1.2% | 0.4% | n/a |
| Nonaccrual |
0.8%
+0.1pp YoY -0.1pp QoQ |
0.0pp | 0.8% | 1.5% | 1.0% | 68% |
| Allowance Coverage |
1.41x
-10.9% YoY +10.7% QoQ |
-17.30x | 18.71x | 2.94x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
0.6%
+0.5pp YoY -0.5pp QoQ |
+0.3pp | 0.3% | 0.6% | 0.2% | 93% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
+1.5pp YoY +0.6pp QoQ |
-2.3pp | 12.6% | 4.1% | 11.6% | 36% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY -0.1pp QoQ |
-0.3pp | 1.9% | 1.9% | 1.7% | 34% |
| Net Income ($, YTD) |
$6.1M
+32.0% YoY — QoQ |
-$13.2M | $19.2M | $88.2M | $40.4M | 17% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.