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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	206.93	211.45	100.82	102.45	73.97	188.06
Investment Securities	92.8	24.4	25.94	43.1	44.85	51.7
Mortgage-Backed Securities	-	90.27	103.58	116.68	130.03	157.28
Total Investments	92.8	114.67	129.52	159.77	174.88	208.98
Gross Loans	744.88	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	736.24	728.38	689.5	659.52	607.81	520.71
Property, Plant & Equipment	10.43	10.63	11.51	11.89	13.29	14.64
Loans Held for Sale	-	-	-	-	37.76	80.92
Accrued Interest Receivable	4.27	4.4	4.11	4.21	3.31	2.59
Other Receivables	-	0.57	0.54	0.49	0.48	0.54
Other Long-Term Assets	32.49	29.52	30.11	29.3	30.57	29.64
Total Assets	1,083	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	2.8	2.88	2.83	4.11	5.48	7.3
Interest Bearing Deposits	771.17	769.98	644.64	632.16	597.45	702.07
Institutional Deposits	-	24.2	20.4	20.6	14.9	18
Non-Interest Bearing Deposits	178.42	177.62	172.46	184.44	207.23	186.6
Total Deposits	949.6	971.8	837.5	837.2	819.58	906.67
Current Portion of Leases	-	0.38	-	-	0.64	-
Accrued Interest Payable	1.42	1.64	1.25	0.94	0.31	0.23
Other Current Liabilities	-	-	14.3	-	-	-
Long-Term Leases	0.44	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	1.86	1.35	0.97	1.03	0.94	0.89
Total Liabilities	971.59	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	Sep 30, 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	27.34	27.23	26.9	26.57	26.4	26.07
Retained Earnings	94.53	87.44	78.67	93.19	87.58	87.38
Treasury Stock	-2.72	-2.75	-2.7	-1.53	-1.62	-1.65
Comprehensive Income & Other	-7.59	-5.45	-9.24	-9.85	-12.04	3.15
Shareholders' Equity	111.59	106.51	93.67	108.42	100.35	114.99
Total Liabilities & Equity	1,083	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	15.91	16.04	16.16	16.51	16.66	17.3
Net Cash (Debt)	191.02	195.42	84.65	85.94	57.31	170.76
Net Cash Growth	92.03%	130.85%	-1.50%	49.96%	-66.44%	-
Net Cash Per Share	53.92	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	31.68	30.26	26.60	30.38	28.19	32.35
Tangible Book Value	111.59	106.51	93.67	108.42	100.35	114.99
Tangible Book Value Per Share	31.68	30.26	26.60	30.38	28.19	32.35

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 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:

Nov 10, 2026

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