US Bank Industry
US average net charge-off ratio, Q2 2026
The US banking system's net charge-off ratio was 0.58% in Q2 2026, for all 4,297 banks that filed a call report combined; the average bank's was 0.19%. The table below has every quarter we serve, Q2 2021 through Q2 2026 (21 quarters).
Loans written off in the quarter, less recoveries, at an annual rate, as a percent of average loans.
Every quarter
| Quarter | US banking system | Average bank | Banks filing |
|---|---|---|---|
| Q2 2026 | 0.58% | 0.19% | 4,297 |
| Q1 2026 | 0.60% | 0.15% | 4,336 |
| Q4 2025 | 0.63% | 0.26% | 4,394 |
| Q3 2025 | 0.62% | 0.19% | 4,435 |
| Q2 2025 | 0.61% | 0.18% | 4,477 |
| Q1 2025 | 0.68% | 0.15% | 4,519 |
| Q4 2024 | 0.71% | 0.24% | 4,543 |
| Q3 2024 | 0.67% | 0.17% | 4,572 |
| Q2 2024 | 0.69% | 0.15% | 4,594 |
| Q1 2024 | 0.66% | 0.12% | 4,623 |
| Q4 2023 | 0.66% | 0.19% | 4,641 |
| Q3 2023 | 0.51% | 0.88% | 4,669 |
| Q2 2023 | 0.49% | 0.07% | 4,697 |
| Q1 2023 | 0.42% | 0.14% | 4,724 |
| Q4 2022 | 0.43% | 0.20% | 4,756 |
| Q3 2022 | 0.26% | 0.09% | 4,796 |
| Q2 2022 | 0.23% | 0.09% | 4,821 |
| Q1 2022 | 0.23% | 0.07% | 4,844 |
| Q4 2021 | 0.22% | 0.14% | 4,887 |
| Q3 2021 | 0.20% | 0.12% | 4,962 |
| Q2 2021 | 0.26% | 0.11% | 4,998 |
How to cite
BankRegReports. "US bank industry net charge-off ratio, quarterly." Data Q2 2021 to Q2 2026. https://www.bankregreports.com/industry/net-charge-off-ratio/ (retrieved October 23, 2026).
This URL is stable: it always shows the newest quarter, and older quarters stay in the table.
How this is measured. The US banking system figure is each bank's net charge-off ratio weighted by its own average loans, so a large bank counts in proportion to its size. The average bank figure is the simple average of each bank's own ratio, so every bank counts the same. Both cover every US bank and savings institution that filed a call report for the quarter. A quarter appears once enough banks have filed to describe the industry; until then the newest quarter shown is the one before. A median is not published here yet. Source: FFIEC Consolidated Reports of Condition and Income (call reports).
Related:
- What is the net charge-off ratio?
- Banks with the highest net charge-off ratio
- The State of US Banking
- All US industry history pages
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