BNC National Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, BNC National Bank's strongest measure in Q2 2026 is assets per employee ($8.6M vs. a $7.6M peer median). Its weakest relative measure is return on assets (1.14% vs. 1.24%).
| Measure | BNC National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.14% | 1.24% | Middle third Ahead of 43% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.77% | 3.83% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.07% | 61.14% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $7.6M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.79% | 84.08% | Context |
What it means for lending operations
Its efficiency ratio of 62.07% is above the 61.14% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Brentwood Bank Bethel Park, PA · $1.05B
- UBank Huntington, TX · $1.05B
- Magyar Bank New Brunswick, NJ · $1.05B
- First Southern Bank Marion, IL · $1.04B
- Superior National Bank Hancock, MI · $1.04B
- FirsTier Bank Kimball, NE · $1.05B
Questions about BNC National Bank
How big is BNC National Bank?
BNC National Bank, established in 2001, is headquartered in Glendale, AZ. It reported $1.05B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is BNC National Bank's return on assets?
1.14% annualized in Q2 2026, against a 1.24% median for 999 U.S. banks with half to twice its assets, ahead of 43% of them.
What is BNC National Bank's efficiency ratio?
62.07% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 61.14%, and lower is better.
Is BNC National Bank growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits grew 10.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arizona bank ranked.