Malaga Bank, FSB: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
Malaga Bank, FSB reported a net charge-off ratio of 0.00% as of Q2 2026, ranking #2,514 of 3,651 U.S. banks (31st 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 Malaga Bank, FSB's Net Charge-Off Ratio?
Malaga Bank, FSB's Net Charge-Off Ratio was 0.00% as of Q2 2026, ranking #2514 of 3,651 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 Malaga Bank, FSB metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Malaga Bank, FSB profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 32282) · FFIEC NIC profile (RSSD 773470)