BNC National Bank


20175 North 67th Avenue
Glendale, AZ 85308
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

BNC National Bank is an FDIC insured institution located in Glendale, AZ. It was founded in 2001 and has approximately $1.04 billion in assets. Customers can open an account at one of its 17 branches.

FDIC Insured Yes
FDIC Certificate # 57197
Date Established 2001
Assets $ 1,041.89 million
Loans $ 684.51 million
Deposits $ 904.07 million
Capital $ 110.29 million

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.

Deposit Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 27, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.561% 2.500% 0.75 $2,021 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to BNC National Bank
To upload and update your bank's rates please register. It is free to register and add rates.


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.

Your Location:

BNC National Bank Locations

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
2.71% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, BNC National Bank had $3,212,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $110,287,000 in equity and $8,414,000 in loans loss reserves. That gives it a Texas Ratio of 2.71%.

Return on Equity
BNC National Bank U.S. Bank Average
17.58% 7.80%

BNC National Bank has a Return on Equity of 17.58% versus the BestCashCow average of 7.80%. 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
10.59% 12.68%

BNC National Bank has a Capitalization of 10.59% versus the BestCashCow average of 12.68. 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, 2020, BNC National Bank had assets of $1,041,885,000, loans of $684,506,000, and deposits of $904,073,000. 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

March 31, 2020
Cash & Balances due from depository institutions $ 64.49 million
Interest-bearing balances $ 56.38 million
Total securities $ 223.37 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 684.51 million
Loan loss allowance $ 8.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 50.90 million
     Total Assets $ 931.60 million
Total deposits $ 904.07 million
      Interest-bearing deposits $ 760.74 million
      Deposits held in domestic offices $ 904.07 million
      % insured (estimated) 72.24%
Federal funds purchased and repurchase agreements $ 5.22 million
Trading liabilities N.A.
Other borrowed funds $ 2.66 million
Subordinated debt N.A.
All other liabilities $ 19.65 million
      Total Liabilities $ 931.60 million
      Shareholders’ Equity $ 110.29 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 9.01 million
Total Interest Expense $ 1.46 million
Net interest income $ 7.55 million
Provision for loan and lease losses $ 0.55 million
Total non interest income $ 9.88 million
Total non interest expense $ 11.69 million
Pre-tax Net Operating Income $ 5.19 million

Bank Loan Profile?

The top three loan types in BNC National Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial 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 31.11
Credit Card Loans 0.00
Consumer Auto Loans 3.28
Small Business Loans 0.00
Construction and Development Loans 5.56
Commercial Real Estate 34.91
Commercial and Industrial Loans 13.45
Farm Loans 2.59

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?

See branch locations nearby.

Is Bnc National Bank open on Saturdays?

Is Bnc National Bank open on Sundays?

What time does Bnc National Bank open?

What time does Bnc National Bank close?

Are Bnc National Bank ATMs Open 24/7?

Do Bnc National Bank ATMs accept cash deposits?

Can Bnc National Bank customers use other ATMs?

Do Bnc National Bank branches have notaries?

Will Bnc National Bank notarize my document?

What address for Bnc National Bank should I put for incoming ACH transfers?

Will the Bnc National Bank branch print checks?

Do Bnc National Bank checks expire?

Does Bnc National Bank require US citizenship to open account?

Can Bnc National Bank close my account?

Does Bnc National Bank Report to credit bureaus?

Does Bnc National Bank Use Equifax?

What is Bnc National Bank's ACH Routing Number?

What is Bnc National Bank's SWIFT code?


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?

Will Bnc National Bank cash a check?

Will Bnc National Bank redeem a savings bond?

Does Bnc National Bank cash savings bonds?

Will Bnc National Bank cash money orders?

Can Bnc National Bank issue a money order?

Does Bnc National Bank do currency exchange?

Background on The Bank

Who owns Bnc National Bank?

How long has Bnc National Bank been around?

Can Bnc National Bank transfer to other banks?

Does Bnc National Bank have quick pay?

Does Bnc National Bank accept rolled coins?

Will Bnc National Bank accept loose change?

Where is Bnc National Bank headquarters?

Customer Reviews for BNC National Bank

There are currently no comments for BNC National Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →