ANB Bank: Net Charge-Off Ratio
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Data as of · sourced from FFIEC call reports. How we update
ANB Bank reported a net charge-off ratio of 0.01% as of Q2 2026, ranking #1,830 of 3,638 U.S. banks (50th percentile). That is unchanged from a year earlier, and below the 0.03% median of the 887 banks with $1B to $10B 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
Source: FFIEC call reports, standardized by BankRegReports. Open the filed call report for Q2 2026 on the FFIEC CDR.
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.
Net Charge-Off Ratio: definition, formula and benchmarks →Frequently asked questions
What is ANB Bank's Net Charge-Off Ratio?
ANB Bank's Net Charge-Off Ratio was 0.01% as of Q2 2026, ranking #1830 of 3,638 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 ANB Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full ANB Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 19220) · FFIEC NIC profile (RSSD 828651)