BNCCORP Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Cash & Equivalents	115.61	100.82	102.45	73.97	188.06	12.44	Upgrade
Investment Securities	24.79	25.94	43.1	44.85	51.7	51.94	Upgrade
Mortgage-Backed Securities	93.63	103.58	116.68	130.03	157.28	131.78	Upgrade
Total Investments	118.42	129.52	159.77	174.88	208.98	183.72	Upgrade
Gross Loans	732.83	698.72	668.81	616.65	529.79	571.13	Upgrade
Allowance for Loan Losses	-9.31	-9.22	-9.28	-8.83	-9.08	-10.32	Upgrade
Other Adjustments to Gross Loans	-	-	-	-	-	-0.24	Upgrade
Net Loans	723.52	689.5	659.52	607.81	520.71	560.57	Upgrade
Property, Plant & Equipment	10.92	11.51	11.89	13.29	14.64	16.85	Upgrade
Loans Held for Sale	-	-	-	37.76	80.92	250.08	Upgrade
Accrued Interest Receivable	4.44	4.11	4.21	3.31	2.59	4.72	Upgrade
Other Receivables	0.53	0.54	0.49	0.48	0.54	0.49	Upgrade
Other Long-Term Assets	30.03	30.11	29.3	30.57	29.64	42.87	Upgrade
Total Assets	1,003	966.68	968.21	943.32	1,047	1,074	Upgrade
Accrued Expenses	2.09	2.83	4.11	5.48	7.3	13.34	Upgrade
Interest Bearing Deposits	674.91	644.64	632.16	597.45	702.07	660.89	Upgrade
Institutional Deposits	25.6	20.4	20.6	14.9	18	24.6	Upgrade
Non-Interest Bearing Deposits	178.03	172.46	184.44	207.23	186.6	167.67	Upgrade
Total Deposits	878.54	837.5	837.2	819.58	906.67	853.16	Upgrade
Short-Term Borrowings	-	-	-	-	-	6.39	Upgrade
Current Portion of Leases	-	0.35	-	0.64	-	-	Upgrade
Accrued Interest Payable	1.61	1.25	0.94	0.31	0.23	0.56	Upgrade
Other Current Liabilities	0.37	14.3	-	-	-	-	Upgrade
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	30.9	Upgrade
Long-Term Leases	0.67	0.35	1.05	1.02	2.3	2.62	Upgrade
Trust Preferred Securities	15.46	15.46	15.46	15	15	15	Upgrade
Other Long-Term Liabilities	1	0.97	1.03	0.94	0.89	33.94	Upgrade
Total Liabilities	899.74	873.01	859.79	842.98	932.39	955.9	Upgrade
Common Stock	0.04	0.04	0.04	0.04	0.04	0.04	Upgrade
Additional Paid-In Capital	27.15	26.9	26.57	26.4	26.07	25.87	Upgrade
Retained Earnings	85.25	78.67	93.19	87.58	87.38	86.99	Upgrade
Treasury Stock	-2.67	-2.7	-1.53	-1.62	-1.65	-1.85	Upgrade
Comprehensive Income & Other	-6.03	-9.24	-9.85	-12.04	3.15	7.18	Upgrade
Total Common Equity	103.74	93.67	108.42	100.35	114.99	118.23	Upgrade
Shareholders' Equity	103.74	93.67	108.42	100.35	114.99	118.23	Upgrade
Total Liabilities & Equity	1,003	966.68	968.21	943.32	1,047	1,074	Upgrade
Total Debt	16.14	16.16	16.51	16.66	17.3	54.91	Upgrade
Net Cash (Debt)	99.47	84.65	85.94	57.31	170.76	-42.47	Upgrade
Net Cash Growth	87.88%	-1.50%	49.96%	-66.44%	-	-	Upgrade
Net Cash Per Share	28.09	23.85	24.00	16.03	47.84	-11.91	Upgrade
Filing Date Shares Outstanding	3.52	3.52	3.57	3.56	3.55	3.54	Upgrade
Total Common Shares Outstanding	3.52	3.52	3.57	3.56	3.55	3.54	Upgrade
Book Value Per Share	29.44	26.60	30.38	28.19	32.35	33.39	Upgrade
Tangible Book Value	103.74	93.67	108.42	100.35	114.99	118.23	Upgrade
Tangible Book Value Per Share	29.44	26.60	30.38	28.19	32.35	33.39	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.