Spencer Savings Bank, Savings and Loan Association: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
Spencer Savings Bank, Savings and Loan Association reported a net charge-off ratio of 0.02% as of Q2 2026, ranking #1,478 of 3,640 U.S. banks (59th percentile). That is up 0.03 percentage points from -0.01% 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.
Full definition & formula →Frequently asked questions
What is Spencer Savings Bank, Savings and Loan Association's Net Charge-Off Ratio?
Spencer Savings Bank, Savings and Loan Association's Net Charge-Off Ratio was 0.02% as of Q2 2026, ranking #1478 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 Spencer Savings Bank, Savings and Loan Association metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Spencer Savings Bank, Savings and Loan Association profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 30076) · FFIEC NIC profile (RSSD 845573)