Cornerstone Bank: Net Charge-Off Ratio
BankRegReports is independent of Cornerstone Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Cornerstone Bank reported a net charge-off ratio of 0.23% as of Q2 2026, ranking #490 of 3,638 U.S. banks (87th percentile). That is up 0.24 percentage points from -0.01% a year earlier, and above 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
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.
Full definition & formula →Frequently asked questions
What is Cornerstone Bank's Net Charge-Off Ratio?
Cornerstone Bank's Net Charge-Off Ratio was 0.23% as of Q2 2026, ranking #490 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 Cornerstone Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Cornerstone Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 13198) · FFIEC NIC profile (RSSD 879457)