Heartland State Bank: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
Heartland State Bank reported a net charge-off ratio of -0.00% as of Q2 2026, ranking #3,005 of 3,652 U.S. banks (18th 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 Heartland State Bank's Net Charge-Off Ratio?
Heartland State Bank's Net Charge-Off Ratio was -0.00% as of Q2 2026, ranking #3005 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 Heartland State Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Heartland State Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 9007) · FFIEC NIC profile (RSSD 135854)