BNCCORP, Inc. (BNCC)

BNCCORP Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	179.74	211.45	100.82	102.45	73.97	188.06
Investment Securities	24.2	24.4	25.94	43.1	44.85	51.7
Mortgage-Backed Securities	86.86	90.27	103.58	116.68	130.03	157.28
Total Investments	111.05	114.67	129.52	159.77	174.88	208.98
Gross Loans	734.62	738.7	698.72	668.81	616.65	529.79
Allowance for Loan Losses	-8.64	-10.32	-9.22	-9.28	-8.83	-9.08
Net Loans	725.99	728.38	689.5	659.52	607.81	520.71
Property, Plant & Equipment	10.48	10.63	11.51	11.89	13.29	14.64
Loans Held for Sale	-	-	-	-	37.76	80.92
Accrued Interest Receivable	4.06	4.4	4.11	4.21	3.31	2.59
Other Receivables	0.57	0.57	0.54	0.49	0.48	0.54
Other Long-Term Assets	30.97	29.52	30.11	29.3	30.57	29.64
Total Assets	1,063	1,100	966.68	968.21	943.32	1,047

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	1.98	2.88	2.83	4.11	5.48	7.3
Interest Bearing Deposits	732.33	769.98	644.64	632.16	597.45	702.07
Institutional Deposits	25.5	24.2	20.4	20.6	14.9	18
Non-Interest Bearing Deposits	174.63	177.62	172.46	184.44	207.23	186.6
Total Deposits	932.46	971.8	837.5	837.2	819.58	906.67
Current Portion of Leases	-	0.38	-	-	0.64	-
Accrued Interest Payable	1.63	1.64	1.25	0.94	0.31	0.23
Other Current Liabilities	-	-	14.3	-	-	-
Long-Term Leases	0.65	0.19	0.7	1.05	1.02	2.3
Trust Preferred Securities	15.46	15.46	15.46	15.46	15	15
Other Long-Term Liabilities	2.08	1.35	0.97	1.03	0.94	0.89
Total Liabilities	954.26	993.7	873.01	859.79	842.98	932.39

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	0.04	0.04	0.04	0.04	0.04	0.04
Additional Paid-In Capital	27.25	27.23	26.9	26.57	26.4	26.07
Retained Earnings	89.6	87.44	78.67	93.19	87.58	87.38
Treasury Stock	-2.75	-2.75	-2.7	-1.53	-1.62	-1.65
Comprehensive Income & Other	-5.54	-5.45	-9.24	-9.85	-12.04	3.15
Shareholders' Equity	108.59	106.51	93.67	108.42	100.35	114.99
Total Liabilities & Equity	1,063	1,100	966.68	968.21	943.32	1,047

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	16.12	16.04	16.16	16.51	16.66	17.3
Net Cash (Debt)	163.62	195.42	84.65	85.94	57.31	170.76
Net Cash Growth	88.52%	130.85%	-1.50%	49.96%	-66.44%	-
Net Cash Per Share	46.19	55.17	23.85	24.00	16.03	47.84
Filing Date Shares Outstanding	3.52	3.52	3.52	3.57	3.56	3.55
Total Common Shares Outstanding	3.52	3.52	3.52	3.57	3.56	3.55
Book Value Per Share	30.85	30.26	26.60	30.38	28.19	32.35
Tangible Book Value	108.59	106.51	93.67	108.42	100.35	114.99
Tangible Book Value Per Share	30.85	30.26	26.60	30.38	28.19	32.35

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 31, 2026

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