Bnc National Bank (FDIC #57197): Bank Stress & Real-Estate Credit Exposure
Bnc National Bank (FDIC Cert #57197): bank stress 62/100, elevated, STABLE over 7 days; parent BNCCORP INC.
Bnc National Bank (#57197) lends in 8 counties across 2 states; Bnc National Bank (#57197) reaches 214 ZIP codes: North Dakota 7 counties, 74 ZIPs; Arizona 1 county, 140 ZIPs.
Bnc National Bank (#57197) largest markets: Maricopa County, AZ (140 branches, 140 ZIPs) (#57197), Mclean County, ND (18 branches, 18 ZIPs) (#57197), Burleigh County, ND (65 branches, 13 ZIPs) (#57197), Mountrail County, ND (12 branches, 12 ZIPs) (#57197), Mckenzie County, ND (12 branches, 12 ZIPs) (#57197), Divide County, ND (10 branches, 10 ZIPs) (#57197).
Bnc National Bank (#57197) reports $1.05 billion in total assets; Bnc National Bank (#57197) equity $120.9 million (11.6% of Bnc National Bank (#57197) assets); Bnc National Bank (#57197) domestic deposits $915.8 million; Bnc National Bank (#57197) net income $6.1 million; Bnc National Bank (#57197) return on assets 1.14%; Bnc National Bank (#57197) return on equity 10.30%; Bnc National Bank (#57197) net interest income $19.1 million; Bnc National Bank (#57197) call report June 30, 2026.
Bnc National Bank (#57197) noncurrent real-estate loans: none reported; Bnc National Bank (#57197) net charge-offs on real estate 0.22%; Bnc National Bank (#57197) residential charge-offs 0.05%.
Bnc National Bank (#57197) net interest margin 3.77% against an eight-quarter Bnc National Bank (#57197) average of 3.69% (Bnc National Bank (#57197) compression -0.07 points); Bnc National Bank (#57197) non-residential real estate 5.3% of equity; Bnc National Bank (#57197) rate-exposure score 40/100, Bnc National Bank (#57197) fixed-rate trap 40/100; Bnc National Bank (#57197) risk type credit driven; Bnc National Bank (#57197) rate regime rates elevated, Bnc National Bank (#57197) snapshot October 19, 2026.
Bnc National Bank (#57197) stress score moved from 64.2 on June 22, 2026 to 62.3 on October 20, 2026; Bnc National Bank (#57197) ranged 62.3 to 64.2 over 117 snapshots.
Bnc National Bank (#57197) alerts: 8 counties; top Bnc National Bank (#57197) alert scores: Bismarck County, AZ 22 (low); Crosby County, AZ 22 (low); Garrison County, AZ 22 (low); Glendale County, AZ 22 (low); Linton County, AZ 22 (low).