First National Bank: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
First National Bank reported a net charge-off ratio of 3.26% as of Q2 2026, ranking #34 of 3,652 U.S. banks (99th 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.
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What is First National Bank's Net Charge-Off Ratio?
First National Bank's Net Charge-Off Ratio was 3.26% as of Q2 2026, ranking #34 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 First National Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First National Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 14712) · FFIEC NIC profile (RSSD 355858)