BlastPoint's Banking Scorecard

BNC National Bank

$1B-$10B Specialty: Commercial AZ FDIC cert 57197

Designations: ✓ Community bank

Glendale, AZ

13 branches across ND · AZ

884 banks in the $1B-$10B peer group nationally 1 in AZ

BNC National Bank faces 3 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.32% below tier average
- Net Interest Margin 0.13% below tier average
- Efficiency Ratio 1.90% above tier average

Get updates when BNC National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Total Assets ?	$1.1B +10.0% YoY -3.4% QoQ	-$1.8B	$2.8B -0.1% YoY	$17.7B +7.6% YoY	$6.2B +9.1% YoY	Bottom 6.6% in tier
Total Loans ?	$726.0M +5.2% YoY -0.3% QoQ	-$1.2B	$2.0B +0.6% YoY	$9.0B +5.4% YoY	$3.2B +10.8% YoY	Bottom 9.2% in tier
Total Deposits ?	$938.2M +9.6% YoY -4.0% QoQ	-$1.4B	$2.3B -0.3% YoY	$15.1B +6.7% YoY	$4.8B +8.2% YoY	Bottom 10.3% in tier
Return on Assets ?	1.04% +23.3% YoY +4.7% QoQ	-0.32%	1.37% +19.6% YoY	0.18% +147.8% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	3.68% +3.1% YoY -1.5% QoQ	-0.13%	3.82% +6.9% YoY	3.92% +3.9% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	62.96% -11.2% YoY -2.5% QoQ	+1.90%	61.06% -4.6% YoY	84.95% -15.7% YoY	66.95% -4.1% YoY	40%
Delinquency Rate ?	0.93% -11.1% YoY -25.8% QoQ	+0.05%	0.89% +14.1% YoY	1.32% +84.0% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	77.38% -4.0% YoY +3.9% QoQ	-6.83%	84.20% +0.3% YoY	80.55% -0.2% YoY	76.70% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	18.62% -6.0% YoY +2.5% QoQ	-2.67%	21.29% -2.5% YoY	23.51% -4.3% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.64% -14.9% YoY -23.4% QoQ	-0.03%	0.67% +15.6% YoY	0.94% +70.0% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	14.22% +4.9% YoY +1.7% QoQ	-0.94%	15.16% +2.0% YoY	14.90% -16.6% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.14% -6.8% YoY -74.2% QoQ	-0.12%	0.26% +1.6% YoY	0.12% +2.6% YoY	0.32% +4.1% YoY	50%

Get Full Access to BNC National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

827

Total Assets

size

Value: $1.06B

Peer Median: $2.82B

#827 of 884 Bottom 6.6% in $1B-$10B

804

Total Loans

size

Value: $725.99M

Peer Median: $1.96B

#804 of 884 Bottom 9.2% in $1B-$10B

794

Total Deposits

size

Value: $938.24M

Peer Median: $2.34B

#794 of 884 Bottom 10.3% in $1B-$10B