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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 797th largest bank in the nation. It was established in 2001 and as of December of 2013, it had grown to 232 employees at 16 locations. BNC National Bank has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 BNC National Bank had $6.67 million in non-current loans and owned real-estate with $92.5 million in equity and loan loss allowances on hand to cover it. This gives BNC National Bank a Texas Ratio of 7.21% 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 16.56% as of December 31, 2012 to 7.21% as of December 31, 2013, resulting in a positive change of 56.44%.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 $70.06 million, resulting in 10.58% 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 $841.45 million in assets with $92.5 million in equity, resulting in a capitalization level of 10.99%, which is above average.

Institution Statistics

FDIC Certificate #57197
Year Established2001
Primary RegulatorOCC
Assets and Liabilities
Assets$841.45 million
Loans$340.95 million
Deposits$732.29 million
Equity Capital$82.66 million
Loan Loss Allowance$9.85 million
Unbacked Noncurrent Loans$5.62 million
Real Estate Owned$1.06 million
Historic Data - December 2012
Assets$768.61 million
Equity Capital$84.37 million
Loan Loss Allowance$10.09 million
Unbacked Noncurrent Loans$5.62 million
Real Estate Owned$5.13 million
Profit Margin - Quarterly
Net Interest Margin2.83%
Return on Assets1.2%
Return on Equity11.37%
Interest Income$23.71 million

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BNC National Bank Savings Account Rates

0.05%--Statement Savings
0.05%--Health Savings Account

BNC National Bank Money Market Rates

0.15%$100k-Personal Money Market Savings

BNC National Bank Checking Account Rates

0.05%--Elite Free Interest Checking
0.05%$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
0.16%$100k-26 Week CDARS
0.10%$100k-13 Week CDARS
0.08%$100k-4 Week CDARS

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