BlastPoint's Banking Scorecard
BNC National Bank
Community
Specialty: Commercial
AZ
FDIC cert 57197
Glendale, AZ
1484
banks in Community tier nationally
3 in AZ
View Community leaderboard (AZ) →
BNC National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+13.8% YoY
+9.6% QoQ
|
-$292.7M |
$1.4B
+2.0% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$728.4M
+5.6% YoY
+0.7% QoQ
|
-$247.1M |
$975.5M
+2.4% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$977.8M
+13.9% YoY
+10.5% QoQ
|
-$186.8M |
$1.2B
+1.7% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.00%
+2.2% YoY
-3.9% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.74%
+2.8% YoY
-1.1% QoQ
|
+0.08% |
3.66%
+9.1% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
64.55%
-3.9% YoY
-2.0% QoQ
|
+1.91% |
62.63%
-5.3% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
1.26%
+38.3% YoY
+13.0% QoQ
|
+0.63% |
0.63%
+18.3% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
74.49%
-7.2% YoY
-8.9% QoQ
|
-8.57% |
83.06%
+0.3% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
18.17%
-9.6% YoY
-9.6% QoQ
|
-2.88% |
21.05%
-0.9% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.83%
+28.4% YoY
+3.7% QoQ
|
+0.34% |
0.50%
+20.3% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
13.98%
+5.5% YoY
+2.0% QoQ
|
+3.73% |
10.24%
-0.6% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.55%
-14.7% YoY
+23.4% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#267 of 642 · Bottom 42% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
68
68th pctile
Tier 1 Capital Ratio
Current: 13.98% · Tier avg: 10.24%
58
58th pctile
Total Deposits
Current: $977.8M · Tier avg: $1.2B
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
51
51th pctile
Total Loans
Current: $728.4M · Tier avg: $975.5M
43
43th pctile
Efficiency Ratio
Current: 64.55% · Tier avg: 62.63%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.17% · Tier avg: 21.05%
38
38th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
27
27th pctile
Loan-to-Deposit Ratio
Current: 74.49% · Tier avg: 83.06%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.63%
Top Weaknesses
20
20th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.63%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.50%
27
27th pctile
Loan-to-Deposit Ratio
Current: 74.49% · Tier avg: 83.06%
38
38th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.17% · Tier avg: 21.05%
43
43th pctile
Efficiency Ratio
Current: 64.55% · Tier avg: 62.63%
51
51th pctile
Total Loans
Current: $728.4M · Tier avg: $975.5M
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
58
58th pctile
Total Deposits
Current: $977.8M · Tier avg: $1.2B
68
68th pctile
Tier 1 Capital Ratio
Current: 13.98% · Tier avg: 10.24%