First Secure Bank and Trust Co.: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
First Secure Bank and Trust Co. reported a net charge-off ratio of 0.00% as of Q2 2026, ranking #2,130 of 3,652 U.S. banks (42nd 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 Secure Bank and Trust Co.'s Net Charge-Off Ratio?
First Secure Bank and Trust Co.'s Net Charge-Off Ratio was 0.00% as of Q2 2026, ranking #2130 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 Secure Bank and Trust Co. metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First Secure Bank and Trust Co. profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 22536) · FFIEC NIC profile (RSSD 25647)