Community Bank Mankato: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
Community Bank Mankato reported a net charge-off ratio of 0.52% as of Q2 2026, ranking #237 of 3,640 U.S. banks (94th percentile). That is up 0.53 percentage points from 0.00% a year earlier, and above the 0.00% median of the 741 Midsize Community Banks ($500M–$1B 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 Community Bank Mankato's Net Charge-Off Ratio?
Community Bank Mankato's Net Charge-Off Ratio was 0.52% as of Q2 2026, ranking #237 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 Community Bank Mankato metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Community Bank Mankato profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 9760) · FFIEC NIC profile (RSSD 835257)