Heritage Community Bank: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
Heritage Community Bank reported a net charge-off ratio of 0.34% as of Q2 2026, ranking #370 of 3,640 U.S. banks (90th percentile). That is up 0.34 percentage points from 0.00% a year earlier, and above the 0.00% median of the 1,873 Small Community Banks ($100M–$500M 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.
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What is Heritage Community Bank's Net Charge-Off Ratio?
Heritage Community Bank's Net Charge-Off Ratio was 0.34% as of Q2 2026, ranking #370 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 Heritage Community Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Heritage Community Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 15282) · FFIEC NIC profile (RSSD 499743)