BNCCORP, INC. is a diversified community bank with three primary areas of focus, commercial banking, retail and mortgage banking and wealth management. It operates through its subsidiary, BNC National Bank (the Bank). It provides a range of commercial banking services, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards and merchant services to small- to middle-market businesses. Its services to consumers include retail banking, provided through a network of locations in North Dakota and Arizona. It offers an array of retail banking services are personal checking and savings products, personal loans, and card services. Its wealth management solutions include personal wealth advisory services, 401(k) and other retirement plan administration, and trust services. The Company operates community banking and wealth management businesses in North Dakota and Arizona from eleven locations.