Centennial Bank: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
Centennial Bank reported a net charge-off ratio of 0.14% as of Q2 2026, ranking #707 of 3,640 U.S. banks (81st percentile). That is up 0.11 percentage points from 0.03% a year earlier, and above the 0.13% median of the 121 Regional Banks ($10B–$100B 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 Centennial Bank's Net Charge-Off Ratio?
Centennial Bank's Net Charge-Off Ratio was 0.14% as of Q2 2026, ranking #707 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 Centennial Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Centennial Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 11241) · FFIEC NIC profile (RSSD 456045)