Side-by-side · Q2 2026 data
TruCommunity Bank vs BNC National Bank
Metric by metric
| Measure | TruCommunity Bank | BNC National Bank |
|---|---|---|
| TellerScore | 58 | 71 (stronger) |
| Capital cushion | 61 | 72 (stronger) |
| Loan quality | 27 | 72 (stronger) |
| Earnings | 76 (stronger) | 65 |
| Funding & liquidity | 71 (stronger) | 62 |
| Problem-loan coverage | 73 | 91 (stronger) |
| Peer percentile | 16th | 63rd |
| Total assets | $338.2M | $1.0B |
| Deposits / shares | $282.3M | $915.8M |
| Capital ratio | 11.06% | 12.21% (stronger) |
| Problem loans | 2.18% | 0.84% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.61% |
| Return on assets | 1.41% (stronger) | 1.14% |
| Loans ÷ deposits | 77.5% (stronger) | 78.8% |
| Uninsured deposits | 25.8% (stronger) | 32.5% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.5% |
BNC National Bank has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), TruCommunity Bank leads on 4 and BNC National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Garrison, ND