# BNC NATIONAL BANK
GLENDALE, AZ · FDIC certificate 57197 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.05B | |
| Deposits | $915.8M | |
| Loans and leases | $730.2M | |
| Total equity | $120.9M | |
| Loans / deposits | 78.79% (p30 of band) | 87.10% |
| Liquid assets / assets | 26.65% (p69 of band) | |
| Uninsured deposits / deposits | 32.52% (p55 of band) | 30.76% |
| Brokered deposits | 6.57% | |
| Wholesale funding | 6.62% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.21% (p78 of band) | 10.50% |
| Unrealized securities loss / equity | -7.44% (p51 of band) | -7.75% |
| AOCI / equity | -0.18% (p59 of band) | |
| ROA (annualized) | 1.14% (p41 of band) | 1.26% |
| Net interest margin | 3.77% (p54 of band) | 3.70% |
| Efficiency ratio | 62.07% (p60 of band) | |
| Noncurrent loans | 0.84% (p67 of band) | 0.51% |
| Net charge-offs (annualized) | 0.42% (p94 of band) | |
| Reserve coverage of noncurrent | 140.88% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 29.06% (p29 of band) | |
| Auto loans | $2.3M (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 | charge-offs p90 | reserve under noncurrent |
| 2011-09 | 2 |  | charge-offs p90 |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | wholesale funding >15% |  |
| 2012-12 | 3 | reserve under noncurrent |  |
| 2013-03 | 4 | capital falling |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | wholesale funding >15% |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | wholesale funding >15% |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | uninsured deposits leaving |  |
| 2017-03 | 3 | expense ratio p90 | uninsured deposits leaving |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | expense ratio p90 |
| 2018-03 | 3 | expense ratio p90 |  |
| 2018-06 | 2 | uninsured deposits leaving | wholesale funding >15%, expense ratio p90 |
| 2018-09 | 1 | expense ratio p90 | brokered >10%, uninsured deposits leaving |
| 2018-12 | 2 | brokered >10% |  |
| 2019-03 | 3 | uninsured deposits leaving |  |
| 2019-06 | 2 |  | expense ratio p90 |
| 2019-09 | 2 | wholesale funding >15% | brokered >10% |
| 2019-12 | 2 | brokered >10% | wholesale funding >15% |
| 2020-03 | 1 |  | uninsured deposits leaving |
| 2020-06 | 0 |  | brokered >10% |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | deposits shrinking, assets shrinking |  |
| 2021-09 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 4 | uninsured deposits >50%, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2022-06 | 3 |  | expense ratio p90 |
| 2022-09 | 4 | expense ratio p90 |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 | uninsured deposits leaving | uninsured deposits >50%, expense ratio p90 |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | brokered >10%, capital falling |  |
| 2026-03 | 2 | charge-offs p90 | brokered >10% |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-29 [Fintech OppFi to buy Arizona bank for $130M - Banking Dive](https://news.google.com/rss/articles/CBMivAFBVV95cUxNejd5aDdUTE03MUp1RENzVEFaQmdHbjlTS0hpc1N5bVNqZ2xBaEdLTEl4MGJnd0J6VktfY1VGbVV3TENnTXdwcGQ2ay1kYjdOd1JSNkxSWnI2cHdxVHhuWGxHN0lHOXB0eWFPV3hxQ08xNnBaQmc0T1A1TTJhbGZDcUlCZDJ2dDd3Rld4WVZXTkhKNFpTSFE2cHBBNVJRcHRJajVKeEZhUHBfOXVMZUlXVmY3OThQUUZXUW9RMA?oc=5) · Banking Dive
- 2026-04-29 [OppFi Announces Definitive Agreement to Acquire BNCCORP, Inc. and BNC National Bank and the Elimination of Up-C Structure - PR Newswire](https://news.google.com/rss/articles/CBMihgJBVV95cUxNZUg2dWt0UGs2dG5aSnRscC1tdUxodl9YaUNjMVZxazRMSWZpVUhWTmhSVGEtLXhGd2hPYTc5YU52ckZILTItRnZMNXBGb3FHSlhOaFV4NU90S1ZETnFjdXRzMUJWdHhMZmpFSE82bVR6WE16SXU0eUlYcm9udURoa0VBalFIcTk4S1BSSVpHNnBVMWJEZDZyajktaEw3aDNKTnJ2OV9UMmdSYjh1SXg1cVdHdjZGbUhrdDFrY3d5MkxjbTB3a25iQkJwUDU0bHRJYUpzYTRKdkl0SS1nLUJROVRMMmNWSjlsX3hTMnluaERKV2NBWEhDcElXOGZMVnFDV2J2WWxR?oc=5) · PR Newswire
- 2026-05-05 [OppFi puts down $130m for chartered national bank BNC - FinTech Futures](https://news.google.com/rss/articles/CBMikAFBVV95cUxOWHp1NzFndDB2Y2RhRjYyR2JNWm00S21HZHdjcFRlNWZ2cW1fX3N0VU5UWEFROGhNMkJzTk1EOHlLN0ZaV3pGYW5GcDJqY21zOE94a3JjdktjSkdKNUcwY0FSdUJIU1RnSEREb2VjY3FyLTBucWNSeVRNMGo5eUhFMzJkR0c2Sm1Wb3N5MU5JcmE?oc=5) · FinTech Futures
- 2026-04-29 [Chicago fintech agrees to acquire BNC National Bank in $130 million deal - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxOOWFFV0NFYUNXM01TOGEzblptalpJeHVwYUlmeXYtal9CYS04Q0tucC1sVDRnbXl1NDhKd0xZSnhDcy02TjVCTC1FNHNLVUY4MkI0akJkcE5wdnhXc2JnZ2hhMlFlaVR5V21wTDNiWWpmODhkaENxSWRBOTdwZFNDZDRZY0huZDE1dWFZc2IxTXJNajhhS1E?oc=5) · The Business Journals
- 2026-04-30 [OppFi seals $130m deal to buy Arizona-based BNCCORP - Retail Banker International](https://news.google.com/rss/articles/CBMic0FVX3lxTE5pQUttRjhkTEVObXhVbkNVdTN2aTQ2MElqUTJsTFNndkJXNHhZQUpHNmZ0YWRLZGlNblM2Mlc5aXhrbEVjNUpDT0JtT3hSX1c1Mkxxa013Tlg1YVJiYnVYTFk5LTJiY3JHTDdLdUxwdVl2TzA?oc=5) · Retail Banker International
- 2026-08-29 [Loop company's bid to buy Arizona bank would spike predatory lending, consumer advocacy groups argue - Chicago Sun-Times](https://news.google.com/rss/articles/CBMizAFBVV95cUxQMG41WXFiQkljNDFKUVBtbzVmUzVBcmpvdEhBa3dhR2FEZXdzUWVVUWhGYmpELU9CRVVvNlRnZFppOHJzcXJfRzJ2LWg0MWdfcllJRkdaNHBnczVmaTZjVFdEZU5jbGtfTFVLMzFmempDMHFtQzYxN0V3Y1ZUMi1KcDEtb2phRmpmSktmeWVTd0NkVXdadjNYRXZSaGVZWDRFWFZwM0N2UnpuTkZsRC1lWHJYQ29ra2NaNkt6djE4UmZ3bTJQSkFxc3o2S0E?oc=5) · Chicago Sun-Times
- 2023-04-13 [First Federal Bank To Acquire BNC National’s Mortgage Division - National Mortgage Professional](https://news.google.com/rss/articles/CBMipwFBVV95cUxPbC0tZFR3S2FleUlGM3pLanZvd3l5bmtOM1BzY0ZWTjY5R09jRlQwSUJmMGxFSmxja1ZuWmFVTEdOS0FkX0dlaUdjeTk0NVpwODhOREFuejFFUTNMN1BvTERjVXB3eHlkRGVPVFJCSGRmLXlyZzJOUHVMdzU1dHpTMTdmeEJqQkFKWExBTXBpWWhuZzlUVFdOX0l6TU5aaURKZEhkM3hTdw?oc=5) · National Mortgage Professional
- 2026-04-29 [OppFi To Acquire BNCCORP In $130 Million Deal To Create Unified Digital And Community Banking Platform - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57197 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "57197", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide