🏦Bank Scorer

BNC NATIONAL BANK

GLENDALE, AZ · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2001FDIC #57,197
Satisfactory Same

Current rating · Exam: March 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

None on record

0 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.04%

Institution Profile

FDIC BankFind

Address

20175 N 67th Ave, GLENDALE, AZ

County

Maricopa County

Established

July 9, 2001

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 7, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$938M

Net Loans

$726M

Net Income

$3M

ROA

1.04%

ROE

9.68%

Risk-Based Capital

15.24%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.72%Peer avg: 9.91%▲ Above avg
Complaints / $B0.00Peer avg: 0.00▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$828M

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413484.33%6.72%
20232,11253.93%12.22%
20224,95453.45%10.88%
20219,91266.05%9.22%
202013,77360.91%11.36%
20197,18256.67%12.39%
20183,83558.44%8.63%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Consumer Complaints

CFPB · through Sep 2021

Last 12 Months

0

All Time

53

Monetary Relief

24.5%

Untimely Response

0%

Most common complaint type: Checking or savings account· 0 per $B assets (12m)

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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