Horizon Bank, SSB: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
Horizon Bank, SSB reported a net charge-off ratio of 0.03% as of Q2 2026, ranking #1,370 of 3,640 U.S. banks (62nd percentile). That is up 0.03 percentage points from 0.00% a year earlier, and below the 0.03% median of the 873 Large Community Banks ($1B–$10B 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 Horizon Bank, SSB's Net Charge-Off Ratio?
Horizon Bank, SSB's Net Charge-Off Ratio was 0.03% as of Q2 2026, ranking #1370 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 Horizon Bank, SSB metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Horizon Bank, SSB profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 3256) · FFIEC NIC profile (RSSD 703552)