1.04%
+23.3%y/y
Peer standing33rd percentile
FDIC
NETINC + ROABB
BNC National Bank
Glendale, ArizonaFDIC Cert #57197
OCCEstablished 200113 branches
Holding company: BNCCORP INCRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
9.68%
+22.3%y/y
Peer standing27th percentile
FDIC
NETINC + ROE1.35%
+22.5%y/y
Peer standing39th percentile
FDIC
PTAXNETINC + ASSET3.68%
+3.1%y/y
Peer standing47th percentile
FDIC
NIM + NIMY5.45%
+2.4%y/y
Peer standing40th percentile
FDIC
INTINCY2.36%
+2.5%y/y
Peer standing64th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
62.96%
−11.2%y/y
Peer standing40th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.54%
−9.1%y/y
Peer standing45th percentile
FDIC
NONIX + ASSET13.81%
−10.6%y/y
Percentile by value52nd percentileby value
FDIC
NONII + NIM+9.97%
+141.4%y/y
Percentile by value75th percentileby value
FDIC
ASSET+9.64%
+87.0%y/y
Percentile by value74th percentileby value
FDIC
DEP+5.22%
+62.0%y/y
Percentile by value43rd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.04%33rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDIC
NETINC + ROE9.68%27th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDIC
NIM + NIMY3.68%47th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.96%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDIC
DEP+9.64%73rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDIC
LNLSNET+5.22%43rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.92%70th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDIC
RBC1AAJ11.28%69th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.43%90th 13.44%Observations 525
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.36%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC219%46th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 233%90th 354%Observations 398
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.04%89th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −1.14%Median 0.23%90th 1.09%Observations 10
ROE
FDIC
NETINC + ROE9.68%81st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −10.64%Median 2.01%90th 10.14%Observations 10
NIM
FDIC
NIM + NIMY3.68%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.28%Median 3.59%90th 4.56%Observations 10
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.96%78th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 57.96%Median 87.80%90th 115.29%Observations 10
Deposits YoY
FDIC
DEP+9.64%27th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +4.64%Median +12.06%90th +60.75%Observations 10
Loans YoY
FDIC
LNLSNET+5.22%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +3.94%Median +14.09%90th +64.13%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.92%54th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.57%90th 3.12%Observations 10
Leverage
FDIC
RBC1AAJ11.28%54th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.09%Median 11.00%90th 12.81%Observations 10
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.36%89th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.28%Median 2.92%90th 4.12%Observations 10
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC219%60th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 85%Median 192%90th 317%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.