Headquartered in Glendale, Arizona, BNC National Bank is a national bank with $1.0B in total assets and $915.8M in deposits as of Q2 2026. It operates 13 offices across 2 states. Its charter dates back to 2001.
BNC National Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 12 banks headquartered in Arizona, it ranks 3rd. Problem-loan coverage contributes the most (91/100, 4.7%); funding & liquidity contributes the least (62/100, 79% loans-to-deposits, 33% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (68 → 71), mostly because the funding & liquidity component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 72 |
| Q4 2024 | 68 |
| Q1 2025 | 65 |
| Q2 2025 | 68 |
| Q3 2025 | 66 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.36% |
| Q3 2024 | 13.33% |
| Q4 2024 | 11.89% |
| Q1 2025 | 11.74% |
| Q2 2025 | 12.10% |
| Q3 2025 | 11.91% |
| Q4 2025 | 11.71% |
| Q1 2026 | 11.28% |
| Q2 2026 | 12.21% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.90% |
| Q1 2025 | 1.04% |
| Q2 2025 | 0.78% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.24% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.98% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.96% |
| Q3 2025 | 1.04% |
| Q4 2025 | 1.00% |
| Q1 2026 | 1.04% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $1.0B | 12.21% | 0.84% | 1.14% | 78.8% |
| Q1 2026 | 67 | $1.1B | 11.28% | 0.92% | 1.04% | 77.4% |
| Q4 2025 | 65 | $1.1B | 11.71% | 1.24% | 1.00% | 74.5% |
| Q3 2025 | 66 | $1.0B | 11.91% | 1.10% | 1.04% | 81.8% |
| Q2 2025 | 68 | $940.4M | 12.10% | 0.78% | 0.96% | 88.2% |
| Q1 2025 | 65 | $965.2M | 11.74% | 1.04% | 0.85% | 80.6% |
| Q4 2024 | 68 | $965.3M | 11.89% | 0.90% | 0.98% | 80.3% |
| Q3 2024 | 72 | $922.8M | 13.33% | 0.86% | 0.95% | 83.9% |
| Q2 2024 | 76 | $914.3M | 13.36% | 0.43% | 0.92% | 84.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Deposit insurance
Is my money safe at BNC National Bank?
Yes. BNC National Bank is an FDIC-insured institution (FDIC certificate #57197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.5% of deposits ($297.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.89% (benchmark: 10%).
13 locations
Branches
BNC National Bank lists 10 offices in 8 cities across 2 states. Most locations:
- Bismarck, ND (3)
- Crosby, ND (1)
- Garrison, ND (1)
- Glendale, AZ (1)
- Linton, ND (1)
- Mandan, ND (1)
- Stanley, ND (1)
- Watford City, ND (1)
HMDA 2025
Mortgage lending
In 2025, BNC National Bank reported 157 home-loan applications under HMDA (LEI 549300LH06ZZHKPX5U83): 121 originated ($16,785,000 total), 21 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- BNC National Bank
- Former names
- BNC National Bank of Arizona
- Type
- National bank
- FDIC certificate #
- 57197
- RSSD ID
- 2358769
- Primary regulator
- OCC
- Holding company
- Bnccorp Inc
- Established
- July 9, 2001
- Headquarters
- 20175 N 67th Ave, Glendale, AZ 85308
- Website
- www.bncbank.com
- Employees
- 122
Quick answers
BNC National Bank: common questions
Is BNC National Bank FDIC insured?
Yes. BNC National Bank is an FDIC-insured institution (FDIC certificate #57197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BNC National Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BNC National Bank ever failed?
There is no failure record for FDIC certificate #57197 in the FDIC failed bank list.
How many branches does BNC National Bank have?
13 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Glendale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mayo Employees Federal Credit UnionCredit union Rochester, MN | 98 out of 100, Very strong | $1.5B | 14.9% | 0.05% | vs |
| Em Federal Credit UnionCredit union Mesa, AZ | 86 out of 100, Very strong | $11.7M | 15.7% | 0.24% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Desert Financial Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $9.9B | 12.1% | 0.47% | vs |
| Banner Federal Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $65.2M | 13.5% | 0.70% | vs |
| Beal Bank USABank Las Vegas, NV | 80 out of 100, Strong | $11.0B | 21.9% | 0.78% | vs |