BNC National Bank

20175 North 67th Avenue
Glendale, AZ 85308


General Bank Information

FDIC Insured Yes
FDIC Certificate # 57197
Date Established 2001
Assets $1.00 billion
Loans $0.45 billion
Deposits $0.88 billion
Capital $0.09 billion

BNC National Bank is an FDIC insured institution located in Glendale, AZ. It was founded in 2001 and has approximately $1 billion in assets. Customers can open an account at one of its 17 branches.

For a more detailed analysis of BNC National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in BNC National Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Arizona, BNC National Bank has a significantly higher percent of Multifamily Mortgages, Consumer Auto Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.71
Credit Card Loans 0.00
Consumer Auto Loans 4.17
Small Business Loans 9.44
Construction and Development Loans 6.57
Commercial Real Estate 46.28
Commercial and Industrial Loans 13.65
Farm Loans 3.09

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bnc National Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BNC National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

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4.411% 4.375% 0.00 $1,190 $1,249 Learn More
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Featured - Virginia Home Equity Line Of Credit Rates 2018

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Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to BNC National Bank
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BNC National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

BNC National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BNC National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
BNC National Bank U.S. Bank Average
1.94% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, BNC National Bank had $1,950,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $92,453,000 in equity and $7,811,000 in loans loss reserves. That gives it a Texas Ratio of 1.94%.

Return on Equity
BNC National Bank U.S. Bank Average
11.84% 9.35%

BNC National Bank has a Return on Equity of 11.84% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

BNC National Bank U.S. Bank Average
9.29% 12.01%

BNC National Bank has a Capitalization of 9.29% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

BNC National Bank Balance Sheet Analysis

As of March 31, 2018, BNC National Bank had assets of $995,260,000, loans of $451,572,000, and deposits of $877,687,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.04 billion
Total securities $0.44 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.45 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $0.90 billion
Total deposits $0.88 billion
      Interest-bearing deposits $0.70 billion
      Deposits held in domestic offices $0.88 billion
      % insured (estimated) 64.31%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.90 billion
      Shareholders’ Equity $0.09 billion

Summary Income Statement

Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bnc National Bank

Branches and Savings

Is Bnc National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57197.

Why does Bnc National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bnc National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bnc National Bank a commercial bank?


Where are Bnc National Bank locations?

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Is Bnc National Bank open on Saturdays?

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Are Bnc National Bank ATMs Open 24/7?

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Will Bnc National Bank notarize my document?

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Do Bnc National Bank checks expire?

Does Bnc National Bank require US citizenship to open account?

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Does Bnc National Bank offer mortgages?

Compare mortgage rates here.

Does Bnc National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bnc National Bank offer personal loans?

Compare personal loan rates here.

Does Bnc National Bank offer student loans?

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Background on The Bank

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