Asset Quality ranking · Call report data as of September 30, 2026
US Banks with Highest Auto Loan Charge-Off Rate
American Bank, N.A. has the highest auto loan net charge-off rate of any ranked US bank, at 6.74% as of September 30, 2026. The median across the 199 ranked US banks is 0.39%. That top value sits far outside the middle half of ranked banks (0.10% to 0.72%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
- No. 1 bank
- American Bank
- Its Auto charge-off rate
- 6.74%
- US median
- 0.39%
- Banks ranked
- 199
Top 100 US banks by auto loan net charge-off rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the US median of 0.39%. Missing values show as a dash and sort last.
| 1 | American Bank, N.A. Dallas, TX | 6.74% | $783.9M $100M to $1B |
| 2 | Truist Bank Charlotte, NC | 6.19% | $546.61B $100B and over |
| 3 | Balboa Thrift and Loan Association Chula Vista, CA | 4.28% | $375.2M $100M to $1B |
| 4 | Crescent Bank Metairie, LA | 4.00% | $1.07B $1B to $10B |
| 5 | Anderson Brothers Bank Mullins, SC | 3.70% | $2.44B $1B to $10B |
| 6 | Citizens and Farmers Bank West Point, VA | 2.90% | $2.79B $1B to $10B |
| 7 | Armstrong Bank Muskogee, OK | 2.07% | $3.05B $1B to $10B |
| 8 | Ally Bank Sandy, UT | 2.01% | $191.89B $100B and over |
| 9 | Shoreham Bank Warwick, RI | 1.95% | $578.7M $100M to $1B |
| 10 | Beneficial State Bank Oakland, CA | 1.92% | $2.01B $1B to $10B |
| 11 | Santander Bank, N.A. Wilmington, DE | 1.86% | $204.02B $100B and over |
| 12 | Capital One, N.A. McLean, VA | 1.59% | $661.46B $100B and over |
| 13 | The Hometown Bank of Alabama Oneonta, AL | 1.59% | $650.8M $100M to $1B |
| 14 | Farmers & Merchants Bank Timberville, VA | 1.58% | $1.42B $1B to $10B |
| 15 | First Financial Bank Cincinnati, OH | 1.56% | $22.22B $10B to $100B |
| 16 | First National Bank Texas dba First Convenience Bank Killeen, TX | 1.50% | $4.69B $1B to $10B |
| 17 | United Community Bank Greenville, SC | 1.39% | $28.80B $10B to $100B |
| 18 | Banco Popular de Puerto Rico San Juan, PR | 1.38% | $61.91B $10B to $100B |
| 19 | Oriental Bank San Juan, PR | 1.34% | $12.04B $10B to $100B |
| 20 | Amarillo National Bank Amarillo, TX | 1.34% | $10.45B $10B to $100B |
| 21 | Bank of Guam Hagatna, GU | 1.30% | $3.21B $1B to $10B |
| 22 | First Bank, Upper Michigan Gladstone, MI | 1.23% | $648.3M $100M to $1B |
| 23 | Citizens State Bank of New Castle New Castle, IN | 1.17% | $946.8M $100M to $1B |
| 24 | First Harrison Bank Corydon, IN | 1.16% | $1.27B $1B to $10B |
| 25 | Pendleton Community Bank, Inc. Franklin, WV | 1.15% | $857.6M $100M to $1B |
| 26 | First Interstate Bank Billings, MT | 1.13% | $25.68B $10B to $100B |
| 27 | Liberty Savings Bank, F.S.B. Wilmington, OH | 1.12% | $1.08B $1B to $10B |
| 28 | Westamerica Bank San Rafael, CA | 1.09% | $5.76B $1B to $10B |
| 29 | FirstBank Puerto Rico San Juan, PR | 1.08% | $19.23B $10B to $100B |
| 30 | Five Star Bank Rochester, NY | 1.04% | $6.47B $1B to $10B |
| 31 | Peoples Security Bank and Trust Company Dunmore, PA | 1.03% | $5.55B $1B to $10B |
| 32 | FNB Bank, Inc. Mayfield, KY | 1.01% | $765.0M $100M to $1B |
| 33 | The Bank of Glen Burnie Glen Burnie, MD | 1.01% | $398.7M $100M to $1B |
| 34 | The Maries County Bank Vienna, MO | 0.99% | $603.2M $100M to $1B |
| 35 | Capital City Bank Tallahassee, FL | 0.98% | $4.39B $1B to $10B |
| 36 | Grasshopper Bank, N.A. New York, NY | 0.96% | $1.58B $1B to $10B |
| 37 | First Bankers Trust Company, N.A. Quincy, IL | 0.96% | $1.35B $1B to $10B |
| 38 | Independent Bank Memphis, TN | 0.95% | $1.83B $1B to $10B |
| 39 | Peoples Bank Marietta, OH | 0.93% | $9.64B $1B to $10B |
| 40 | Foresight Bank Winnebago, IL | 0.92% | $1.70B $1B to $10B |
| 41 | Chemung Canal Trust Company, N.A. Elmira, NY | 0.91% | $2.85B $1B to $10B |
| 42 | Wayne Bank Honesdale, PA | 0.86% | $2.95B $1B to $10B |
| 43 | First Hawaiian Bank Honolulu, HI | 0.85% | $23.77B $10B to $100B |
| 44 | Arvest Bank Fayetteville, AR | 0.81% | $27.98B $10B to $100B |
| 45 | Thrivent Bank Salt Lake City, UT | 0.78% | $889.2M $100M to $1B |
| 46 | Citizens Bank of West Virginia, Inc. Elkins, WV | 0.77% | $782.2M $100M to $1B |
| 47 | First National Bank of Scotia Scotia, NY | 0.77% | $723.9M $100M to $1B |
| 48 | The Central Trust Bank Jefferson City, MO | 0.76% | $20.23B $10B to $100B |
| 49 | TD Bank, N.A. Wilmington, DE | 0.76% | $341.49B $100B and over |
| 50 | Pinnacle Bank Nashville, TN | 0.73% | $130.42B $100B and over |
| 51 | Cashmere Valley Bank Cashmere, WA | 0.72% | $2.34B $1B to $10B |
| 52 | Plumas Bank Quincy, CA | 0.70% | $2.27B $1B to $10B |
| 53 | First Bank of Ohio Tiffin, OH | 0.70% | $276.7M $100M to $1B |
| 54 | Commerce Bank Kansas City, MO | 0.70% | $34.64B $10B to $100B |
| 55 | First United Bank and Trust Company Durant, OK | 0.65% | $16.54B $10B to $100B |
| 56 | Old National Bank Evansville, IN | 0.65% | $74.09B $10B to $100B |
| 57 | WesBanco Bank, Inc. Wheeling, WV | 0.64% | $28.41B $10B to $100B |
| 58 | Union Bank and Trust Company Lincoln, NE | 0.64% | $9.50B $1B to $10B |
| 59 | Bank of Hawaii Honolulu, HI | 0.63% | $23.79B $10B to $100B |
| 60 | First Federal Savings and Loan Association of Lakewood Lakewood, OH | 0.62% | $3.00B $1B to $10B |
| 61 | BancFirst Oklahoma City, OK | 0.62% | $12.73B $10B to $100B |
| 62 | Casey State Bank Casey, IL | 0.60% | $492.3M $100M to $1B |
| 63 | ION Bank Naugatuck, CT | 0.59% | $2.84B $1B to $10B |
| 64 | Zions Bancorporation, N.A. Salt Lake City, UT | 0.59% | $90.92B $10B to $100B |
| 65 | Kleberg Bank, N.A. Kingsville, TX | 0.59% | $780.0M $100M to $1B |
| 66 | Axos Bank San Diego, CA | 0.58% | $29.67B $10B to $100B |
| 67 | Commercial Bank of California Irvine, CA | 0.58% | $4.10B $1B to $10B |
| 68 | First Premier Bank Sioux Falls, SD | 0.57% | $3.91B $1B to $10B |
| 69 | Wells Fargo Bank, N.A. Sioux Falls, SD | 0.57% | $1.91T $100B and over |
| 70 | Community Trust Bank, Inc. Pikeville, KY | 0.56% | $7.02B $1B to $10B |
| 71 | Cornerstone Bank Spencer, MA | 0.55% | $2.60B $1B to $10B |
| 72 | First Financial Bank, N.A. Terre Haute, IN | 0.55% | $6.06B $1B to $10B |
| 73 | USAA Federal Savings Bank Phoenix, AZ | 0.55% | $103.86B $100B and over |
| 74 | The Canandaigua National Bank and Trust Company Canandaigua, NY | 0.53% | $5.53B $1B to $10B |
| 75 | TowneBank Portsmouth, VA | 0.53% | $22.18B $10B to $100B |
| 76 | First State Community Bank Farmington, MO | 0.53% | $4.50B $1B to $10B |
| 77 | Farm Bureau Bank FSB Reno, NV | 0.51% | $1.04B $1B to $10B |
| 78 | Glacier Bank Kalispell, MT | 0.51% | $32.27B $10B to $100B |
| 79 | Central Pacific Bank Honolulu, HI | 0.50% | $7.44B $1B to $10B |
| 80 | INTRUST Bank, N.A. Wichita, KS | 0.50% | $6.47B $1B to $10B |
| 81 | JPMorgan Chase Bank, N.A. Columbus, OH | 0.49% | $4.17T $100B and over |
| 82 | Bank First, N.A. Manitowoc, WI | 0.49% | $5.94B $1B to $10B |
| 83 | Rhinebeck Bank Rhinebeck, NY | 0.49% | $1.51B $1B to $10B |
| 84 | National Cooperative Bank, N.A. Hillsboro, OH | 0.48% | $4.25B $1B to $10B |
| 85 | BMO Bank N.A. Chicago, IL | 0.48% | $253.08B $100B and over |
| 86 | Community National Bank & Trust Chanute, KS | 0.47% | $2.51B $1B to $10B |
| 87 | Jonestown Bank and Trust Company of Jonestown, Pennsylvania Jonestown, PA | 0.46% | $1.01B $1B to $10B |
| 88 | Fulton Bank, N.A. Lancaster, PA | 0.45% | $34.64B $10B to $100B |
| 89 | Bell Bank Fargo, ND | 0.44% | $15.28B $10B to $100B |
| 90 | First National Bank of Pennsylvania Greenville, PA | 0.44% | $51.93B $10B to $100B |
| 91 | Vinton County National Bank McArthur, OH | 0.42% | $1.62B $1B to $10B |
| 92 | Toyota Financial Savings Bank Henderson, NV | 0.41% | $17.96B $10B to $100B |
| 93 | Manufacturers and Traders Trust Company Buffalo, NY | 0.41% | $219.99B $100B and over |
| 94 | The Huntington National Bank Columbus, OH | 0.41% | $287.08B $100B and over |
| 95 | MidFirst Bank Oklahoma City, OK | 0.40% | $43.83B $10B to $100B |
| 96 | Lake City Bank Warsaw, IN | 0.40% | $7.20B $1B to $10B |
| 97 | First Commonwealth Bank Indiana, PA | 0.40% | $12.16B $10B to $100B |
| 98 | Atlantic Union Bank Richmond, VA | 0.40% | $38.27B $10B to $100B |
| 99 | Bank of America, N.A. Charlotte, NC | 0.39% | $2.66T $100B and over |
| 100 | Exchange Bank & Trust Atchison, KS | 0.39% | $609.1M $100M to $1B |
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Definition and formula
The auto loan net charge-off rate is automobile loans written off as uncollectible, less recoveries on loans written off earlier, as an annualized percent of average automobile loans.
Auto loan net charge-off rate = (Automobile loan charge-offs - Automobile loan recoveries), annualized / Average automobile loans
The glossary entry for Auto Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 199 banks that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in automobile loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the auto loan net charge-off rate
Auto charge-offs rise when borrowers fall behind and the repossessed vehicle sells for less than the loan balance, so used-car prices matter as much as borrower credit. Lenders that buy loans through dealers, lend to borrowers with lower credit scores or offer long terms run higher rates. The rate is net of what the bank recovers from selling repossessed cars, so a fall in used-car prices can raise it even when delinquency is flat.
Frequently asked questions
Which bank has the highest auto loan net charge-off rate?
American Bank, N.A. has the highest auto loan net charge-off rate of any ranked US bank, at 6.74% as of September 30, 2026, according to its FFIEC call report. Truist Bank ranks second at 6.19%. The median is 0.39%.
What is the median auto loan net charge-off rate among ranked US banks?
As of Q3 2026, auto loan net charge-off rate for the middle half of the 199 ranked US banks ran from 0.10% to 0.72%, and the median was 0.39%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Auto Loans glossary entry.
How is the auto loan net charge-off rate calculated?
Auto loan net charge-off rate = (Automobile loan charge-offs - Automobile loan recoveries), annualized / Average automobile loans. Each bank charter is ranked on its own; holding companies are not combined. See the Auto Loans glossary entry.
Banks with Highest Auto Loan Charge-Off Rate by state
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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