The First Bank and Trust Company: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
The First Bank and Trust Company reported a net charge-off ratio of 0.03% as of Q2 2026, ranking #1,353 of 3,652 U.S. banks (63rd percentile). 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, NCO spikes typically precede recessions by 1-2 quarters.
Full definition & formula →Frequently asked questions
What is The First Bank and Trust Company's Net Charge-Off Ratio?
The First Bank and Trust Company's Net Charge-Off Ratio was 0.03% as of Q2 2026, ranking #1353 of 3,652 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 The First Bank and Trust Company metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full The First Bank and Trust Company profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 22918) · FFIEC NIC profile (RSSD 223322)