Enterprise Bank: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
Enterprise Bank reported a net charge-off ratio of 0.00% as of Q2 2026, ranking #2,824 of 3,640 U.S. banks (22nd percentile). That is down 0.17 percentage points from 0.17% a year earlier, and below 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 Enterprise Bank's Net Charge-Off Ratio?
Enterprise Bank's Net Charge-Off Ratio was 0.00% as of Q2 2026, ranking #2824 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 Enterprise Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Enterprise Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 34786) · FFIEC NIC profile (RSSD 2730431)