| Metric | BNC National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +5.5% | +5.7 pts |
| Deposit growth (YoY) | +10.6% | +5.1% | +5.6 pts |
| Loan growth (YoY) | -1.2% | +5.9% | -7.1 pts |
| ROA | 1.14% | 1.26% | -0.1 pts |
| ROE | 10.3% | 12.2% | -1.9 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $915.8M | $721.5M | $120.9M | $6.1M | 1.14% | 3.77% | 0.58% |
| Q1 2026 | $1.06B | $938.2M | $726.0M | $117.8M | $2.8M | 1.04% | 3.68% | 0.64% |
| Q4 2025 | $1.10B | $977.8M | $728.4M | $115.1M | $9.9M | 1.00% | 3.74% | 0.83% |
| Q3 2025 | $1.00B | $884.9M | $723.5M | $112.1M | $7.5M | 1.04% | 3.78% | 0.80% |
| Q2 2025 | $940.4M | $827.7M | $730.0M | $108.3M | $4.6M | 0.96% | 3.73% | 0.62% |
| Q1 2025 | $965.2M | $855.8M | $690.0M | $105.1M | $2.0M | 0.85% | 3.57% | 0.75% |
| Q4 2024 | $965.3M | $858.7M | $689.5M | $101.4M | $9.2M | 0.98% | 3.64% | 0.65% |
| Q3 2024 | $922.8M | $803.1M | $673.7M | $115.3M | $6.6M | 0.95% | 3.63% | 0.64% |
Loan mix (Q2 2026): real estate $516.1M · commercial $134.4M · consumer $57.0M · securities $105.4M
| Ratio | BNC National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.26% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 59.0% | 60th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | BNC National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | BNC National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | BNC National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | BNC National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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