American Community Bank of Indiana: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
American Community Bank of Indiana reported a net charge-off ratio of 0.00% as of Q2 2026, ranking #2,319 of 3,640 U.S. banks (36th percentile). That is up 0.01 percentage points from -0.01% a year earlier, and at the 0.00% median of the 1,873 Small Community Banks ($100M–$500M in assets). The Net Charge-Off (NCO) ratio measures loans actually written off as uncollectible, the realized credit loss number that follows non-performing loans.
12-Quarter Trend
National Context
What is the Net Charge-Off Ratio?
The Net Charge-Off ratio (annualized) measures loans actually written off as uncollectible (less subsequent recoveries) divided by average loans outstanding. It is the realized credit loss experience of the bank.
Most US community banks report annualized NCO between 0.1% and 0.5%. Consumer-heavy or credit-card-issuing banks can report 2-5% as a normal range (different risk model). Compare to historical trend. Charge-offs lag the cycle: they rise during and after recessions and typically peak several quarters after a downturn starts.
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What is American Community Bank of Indiana's Net Charge-Off Ratio?
American Community Bank of Indiana's Net Charge-Off Ratio was 0.00% as of Q2 2026, ranking #2319 of 3,640 U.S. banks.
What is the Net Charge-Off Ratio?
The Net Charge-Off ratio (annualized) measures loans actually written off as uncollectible (less subsequent recoveries) divided by average loans outstanding. It is the realized credit loss experience of the bank.
More American Community Bank of Indiana metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full American Community Bank of Indiana profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 29878) · FFIEC NIC profile (RSSD 1010574)