Bank Independent: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
Bank Independent reported a net charge-off ratio of -0.17% as of Q2 2026, ranking #3,578 of 3,640 U.S. banks (2nd percentile). That is down 0.28 percentage points from 0.12% a year earlier, and below the 0.03% median of the 873 Large Community Banks ($1B–$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
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.
Full definition & formula →Frequently asked questions
What is Bank Independent's Net Charge-Off Ratio?
Bank Independent's Net Charge-Off Ratio was -0.17% as of Q2 2026, ranking #3578 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 Bank Independent metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Bank Independent profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 16604) · FFIEC NIC profile (RSSD 539032)