First State Bank & Trust: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
First State Bank & Trust reported a net charge-off ratio of 0.01% as of Q2 2026, ranking #1,850 of 3,640 U.S. banks (49th percentile). That is up 0.01 percentage points from 0.00% a year earlier, and above 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.
Full definition & formula →Frequently asked questions
What is First State Bank & Trust's Net Charge-Off Ratio?
First State Bank & Trust's Net Charge-Off Ratio was 0.01% as of Q2 2026, ranking #1850 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 First State Bank & Trust metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First State Bank & Trust profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 14801) · FFIEC NIC profile (RSSD 248455)