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Overview / Commentary
20175 North 67th Avenue
Glendale, AZ 85308

BNC National Bank is headquartered in Glendale and is the 3rd largest bank in the state of Arizona. It is also the 729th largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 249 employees at 16 locations. BNC National Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 BNC National Bank had $6.1 million in non-current loans and owned real-estate with $96.66 million in equity and loan loss allowances on hand to cover it. This gives BNC National Bank a Texas Ratio of 6.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for BNC National Bank decreased dramatically from 13.97% as of March 31, 2013 to 6.31% as of March 31, 2014, resulting in a positive change of 54.86%.This indicates that the balance sheet and financial strength for BNC National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, BNC National Bank has increased its total deposits by $125.2 million, resulting in 18.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BNC National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BNC National Bank has $926.67 million in assets with $96.66 million in equity, resulting in a capitalization level of 10.43%, which is above average.

Institution Statistics

FDIC Certificate #57197
Year Established2001
Primary RegulatorOCC
Assets and Liabilities
Assets$926.67 million
Loans$341.74 million
Deposits$810.70 million
Equity Capital$86.80 million
Loan Loss Allowance$9.86 million
Unbacked Noncurrent Loans$5.04 million
Real Estate Owned$1.06 million
Historic Data - March 2013
Assets$797.58 million
Equity Capital$87.53 million
Loan Loss Allowance$9.87 million
Unbacked Noncurrent Loans$5.04 million
Real Estate Owned$3.34 million
Profit Margin - Quarterly
Net Interest Margin3.14%
Return on Assets1.01%
Return on Equity10.5%
Interest Income$7.11 million

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BNC National Bank Savings Account Rates

0.03%--Statement Savings
0.03%$5k-Health Savings Account

BNC National Bank Money Market Rates

0.13%$100k-Personal Money Market Savings

BNC National Bank Checking Account Rates

0.03%--Elite Free Interest Checking
0.03%$1,500-Premier Interest Checking
0.02%--Direct Free Interest Checking

BNC National Bank CD Rates

0.30%$100k-3 Year CDARS
0.20%$100k-2 Year CDARS
0.20%$100k-52 Week CDARS
0.17%$100k-26 Week CDARS
0.12%$100k-13 Week CDARS
0.10%$100k-4 Week CDARS

BNC National Bank has 15 locations. Click to view all BNC National Bank locations.