{"id":3691021,"date":"2026-04-29T09:43:28","date_gmt":"2026-04-29T13:43:28","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3691021"},"modified":"2026-04-29T09:43:28","modified_gmt":"2026-04-29T13:43:28","slug":"oppfi-moves-deeper-into-banking-with-130-million-bnc-purchase","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/acquisitions\/2026\/oppfi-moves-deeper-into-banking-with-130-million-bnc-purchase\/","title":{"rendered":"OppFi Moves Deeper Into Banking With $130 Million BNC Purchase"},"content":{"rendered":"<p style=\"font-weight: 400;\">Online lending platform\u00a0<a href=\"https:\/\/www.oppfi.com\/\">OppFi<\/a>\u00a0is set to acquire\u00a0<a href=\"https:\/\/www.bnc.bank\/\">BNC Bank<\/a>\u00a0for $130 million.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div 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\/>\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"email\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"newsLetterChoice\"><span class=\"wpcf7-form-control wpcf7-checkbox me-1\" id=\"checkNewsletter\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"newsLetterChoice[]\" value=\"yes\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">yes<\/span><\/span><\/span><\/span><span class=\"small\">Subscribe to our daily newsletter, PYMNTS Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3691021\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/acquisitions\/2026\/oppfi-moves-deeper-into-banking-with-130-million-bnc-purchase\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"59\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p style=\"font-weight: 400;\">The deal,\u00a0<a href=\"https:\/\/www.prnewswire.com\/news-releases\/oppfi-announces-definitive-agreement-to-acquire-bnccorp-inc-and-bnc-national-bank-and-the-elimination-of-up-c-structure-302756614.html\">announced<\/a>\u00a0Wednesday (April 29), is designed to capitalize on both OppFI\u2019s digital finance capabilities with BNC\u2019s national banking charter.<\/p>\n<p style=\"font-weight: 400;\">\u201cCombining our operations under unified regulatory supervision by the OCC and Federal Reserve simplifies and strengthens our compliance and risk management,\u201d\u00a0<a href=\"https:\/\/investors.oppfi.com\/governance\/executive-management\/default.aspx\">Todd Schwartz<\/a>, OppFi\u2019s CEO and executive chairman, said in a news release.<\/p>\n<p style=\"font-weight: 400;\">\u201cThis will position OppFi\/BNC for long term scalability and sustainable growth. We are excited to get to work with BNC\u2019s team to maximize the strengths of our businesses and continue to find ways to better serve customers who have been traditionally underserved by banks.\u201d<\/p>\n<p style=\"font-weight: 400;\">Headquartered in Arizona, BNC had approximately $1.1 billion in total assets and approximately $1 billion in total deposits as of the end of last year. OppFi\u2019s platform is designed to connect consumers with community bank partners and\u00a0<a href=\"https:\/\/www.pymnts.com\/consumer-finance\/2025\/how-oppfi-can-say-yes-to-credit-when-traditional-banks-say-no\/\">consumer loans<\/a>.<\/p>\n<p style=\"font-weight: 400;\">The company said the acquisition will allow it to deliver more services, such as Small Business Administration (SBA) lending, secured consumer lending and wealth management.<\/p><div id=\"pymnt-2952947784\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p style=\"font-weight: 400;\">OppFi\u2019s acquisition plan comes as many other FinTechs are working to land banking charters, as PYMNTS wrote last month.<\/p>\n<p style=\"font-weight: 400;\">In fact, that report said, the\u00a0<a href=\"https:\/\/www.occ.treas.gov\/\">Office of the Comptroller of the Currency<\/a>\u00a0(OCC) has gotten\u00a0<a href=\"https:\/\/www.pymnts.com\/bank-regulation\/2026\/the-crypto-charter-scorecard-mapping-bankings-new-infrastructure-race\/\">so many applications<\/a>\u00a0for banking charters from FinTech, payment and crypto firms to lobbying group the Bank Policy Institute (BPI) is considering suing the regulator over its wave of approvals.<\/p>\n<p style=\"font-weight: 400;\">In 2025 alone, the OCC received 14 de novo charter applications, a number nearly equaling the total applications received by the agency in the prior four years put together. By the middle of March, the OCC had approved four new applications and received more than seven.<\/p>\n<p style=\"font-weight: 400;\">Earlier FinTech-to-bank conversions depended heavily on acquisitions. Buying a bank provided speed and regulatory certainty, while also importing \u201clegacy systems, cultural mismatches and balance sheet constraints designed for a different era,\u201d PYMNTS wrote.<\/p>\n<p style=\"font-weight: 400;\">A bank charter \u201cis\u00a0<a href=\"https:\/\/www.pymnts.com\/news\/regulation\/2026\/former-occ-chief-says-bank-charters-help-keep-crypto-compliant\/\">not a trophy<\/a>, and it certainly isn\u2019t a product label, but it\u2019s a public trust,\u201d Rodney E. Hood, former acting comptroller of the currency, told PYMNTS affiliate Competition Policy International in a January interview.<\/p>\n<p style=\"font-weight: 400;\">\u201cA federal charter should never be construed as an end run around supervision, and it should certainly never be a pathway to scale without accountability,\u201d he added.<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3691021;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Online lending platform\u00a0OppFi\u00a0is set to acquire\u00a0BNC Bank\u00a0for $130 million. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS and to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2900301,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67263],"tags":[8758,4313,168497,7617,9206,63497,133069,5299],"class_list":["post-3691021","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-acquisitions","tag-acquisitions","tag-banking-2","tag-bnc-bank","tag-fintech","tag-news","tag-oppfi","tag-pymnts-news","tag-whats-hot"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>OppFi Moves Deeper Into Banking With $130 Million BNC Buy<\/title>\n<meta name=\"description\" content=\"Online lending platform OppFi is set to acquire BNC Bank for $130 million to capitalize on BNC\u2019s national banking charter.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/acquisitions\/2026\/oppfi-moves-deeper-into-banking-with-130-million-bnc-purchase\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OppFi Moves Deeper Into Banking With $130 Million BNC Purchase | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"Online lending platform\u00a0OppFi\u00a0is set to acquire\u00a0BNC Bank\u00a0for $130 million. 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