$735M
+5.1%y/y
Percentile by value11th percentileby value
FDIC
LNLSGRBB
BNC National Bank
Glendale, ArizonaFDIC Cert #57197
OCCEstablished 200113 branches
Holding company: BNCCORP INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $146M |
| Investor CRE | $223M |
| Multifamily | $36.2M |
| Construction | $29.8M |
| 1–4 family | $59.4M |
| C&I | $138M |
| Agriculture | $39.4M |
| Other | $62.4M |
Loan book
Reported balances and balance-sheet intensity.
$726M
+5.2%y/y
Percentile by value11th percentileby value
FDIC
LNLSNET+5.22%
+62.0%y/y
Percentile by value43rd percentileby value
FDIC
LNLSNET77.4%
−4.0%y/y
Percentile by value33rd percentileby value
FDIC
LNLSNET + DEP68.4%
−4.3%y/y
Percentile by value39th percentileby value
FDIC
LNLSNET + ASSET73.28%
−0.8%y/y
Percentile by value24th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
219%
−3.8%y/y
Percentile by value46th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC23%
−8.7%y/y
Percentile by value20th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,800points
+3.1%y/y
Peer standing66th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD19.92%
−3.1%y/y
Percentile by value82nd percentileby value
FDIC
LNRENROW + LNLSGR30.35%
+0.7%y/y
Percentile by value83rd percentileby value
FDIC
LNRENROT + LNLSGR18.81%
+12.3%y/y
Percentile by value79th percentileby value
FDIC
LNCI + LNLSGR