Asset Quality
US Banks with Highest Net Charge-Off Ratio
#1 Net Charge-Off Ratio:TBO BANK — 58.36%. The Net Charge-Off (NCO) ratio measures loans actually written off as uncollectible — the realized credit loss number that follows non-performing loans.
| # | Bank | HQ | US Banks with … | Total Assets ($K) |
|---|---|---|---|---|
| 1 | TBO BANK | ORRICK, MO | 58.36% | 209,289.0 |
| 2 | GREEN DOT BANK | PROVO, UT | 37.74% | 5,204,851.0 |
| 3 | VARO BANK, NATIONAL ASSOCIATION | DRAPER, UT | 31.29% | 376,185.0 |
| 4 | SMBC MANUBANK | LOS ANGELES, CA | 16.67% | 7,675,698.0 |
| 5 | CRESCENT BANK | METAIRIE, LA | 13.22% | 971,152.0 |
| 6 | SEILING STATE BANK, THE | SEILING, OK | 12.96% | 196,295.0 |
| 7 | NoneNone | 12.03% | 235,465.0 | |
| 8 | CREDIT ONE BANK, NATIONAL ASSOCIATION | LAS VEGAS, NV | 11.52% | 1,966,557.0 |
| 9 | TEXAS EXCHANGE BANK | CROWLEY, TX | 10.93% | 4,500,280.0 |
| 10 | MERRICK BANK | SOUTH JORDAN, UT | 10.63% | 9,251,625.0 |
| 11 | FIRST GUARANTY BANK | HAMMOND, LA | 8.75% | 4,075,579.0 |
| 12 | MI BANK | BLOOMFIELD TOWNSHIP, MI | 8.74% | 292,635.0 |
| 13 | GRAND RAPIDS STATE BANK | GRAND RAPIDS, MN | 8.40% | 252,810.0 |
| 14 | NANO BANC | IRVINE, CA | 8.07% | 874,723.0 |
| 15 | COMENITY CAPITAL BANK | DRAPER, UT | 7.93% | 13,626,906.0 |
| 16 | NoneNone | 7.74% | 288,221.0 | |
| 17 | MURPHY-WALL STATE BANK AND TRUST COMPANY | PINCKNEYVILLE, IL | 7.34% | 210,359.0 |
| 18 | MODERN BANK, NATIONAL ASSOCIATION | NEW YORK, NY | 7.28% | 664,062.0 |
| 19 | YOAKUM BANK | YOAKUM, TX | 7.01% | 384,305.0 |
| 20 | COMENITY BANK | WILMINGTON, DE | 6.86% | 7,760,444.0 |
| 21 | CLINTON SAVINGS BANK | CLINTON, MA | 6.75% | 743,035.0 |
| 22 | MINNESOTA LAKES BANK | DELANO, MN | 6.68% | 128,779.0 |
| 23 | FIRST ENTERPRISE BANK | OKLAHOMA CITY, OK | 6.65% | 197,883.0 |
| 24 | SQUARE FINANCIAL SERVICES, INC. | SALT LAKE CITY, UT | 6.55% | 1,694,247.0 |
| 25 | CAPITAL COMMUNITY BANK | PROVO, UT | 6.44% | 1,428,530.0 |
| 26 | SYNCHRONY BANK | DRAPER, UT | 5.44% | 112,115,000.0 |
| 27 | PREMIER BANK NATIONAL ASSOCIATION | OMAHA, NE | 5.31% | 336,610.0 |
| 28 | COASTAL COMMUNITY BANK | EVERETT, WA | 5.29% | 4,737,899.0 |
| 29 | BANKESB | EASTHAMPTON, MA | 5.28% | 1,997,695.0 |
| 30 | TD BANK USA, NATIONAL ASSOCIATION | WILMINGTON, DE | 5.24% | 34,631,887.0 |
| 31 | SECURITY STATE BANK | ALEXANDRIA, SD | 5.22% | 107,108.0 |
| 32 | SOUTHPOINT BANK | BIRMINGHAM, AL | 5.15% | 1,563,295.0 |
| 33 | FIRST NATIONAL BANK | OLDHAM, SD | 5.15% | 462,466.0 |
| 34 | CONVERSE COUNTY BANK, THE | DOUGLAS, WY | 4.98% | 1,089,572.0 |
| 35 | SOUTHWEST BANK | ODESSA, TX | 4.94% | 715,606.0 |
| 36 | WALDEN MUTUAL BANK | CONCORD, NH | 4.92% | 171,740.0 |
| 37 | PEOPLEFIRST BANK | JOLIET, IL | 4.91% | 264,317.0 |
| 38 | INTERSTATE BANK | PERRYTON, TX | 4.67% | 275,696.0 |
| 39 | COMMERCIAL STATE BANK | PALMER, TX | 4.41% | 120,357.0 |
| 40 | FIRST SAVINGS BANK | BERESFORD, SD | 4.29% | 1,541,563.0 |
| 41 | BANK OF FRANKEWING | FRANKEWING, TN | 4.24% | 446,407.0 |
| 42 | MILESTONE BANK | SALT LAKE CITY, UT | 3.96% | 374,567.0 |
| 43 | FIRST BANK AND TRUST COMPANY OF ILLINOIS | PALATINE, IL | 3.88% | 215,854.0 |
| 44 | PIERMONT BANK | NEW YORK, NY | 3.87% | 519,657.0 |
| 45 | BANK OF COMMERCE | DUNCAN, OK | 3.86% | 351,911.0 |
| 46 | 1ST ADVANTAGE BANK | SAINT PETERS, MO | 3.82% | 215,622.0 |
| 47 | FIRST NATIONAL BANK | FORT PIERRE, SD | 3.77% | 2,073,342.0 |
| 48 | MIDLAND STATES BANK | EFFINGHAM, IL | 3.77% | 6,502,519.0 |
| 49 | TRANSPORTATION ALLIANCE BANK, INC. DBA TAB BANK | OGDEN, UT | 3.75% | 1,601,203.0 |
| 50 | FINWISE BANK | MURRAY, UT | 3.69% | 967,454.0 |
| 51 | BRUNSWICK STATE BANK | BRUNSWICK, NE | 3.62% | 170,857.0 |
| 52 | OLD GLORY BANK | ELMORE CITY, OK | 3.48% | 257,422.0 |
| 53 | SUNRISE BANKS, NATIONAL ASSOCIATION | SIOUX FALLS, SD | 3.43% | 2,718,222.0 |
| 54 | BARCLAYS BANK DELAWARE | WILMINGTON, DE | 3.40% | 47,613,000.0 |
| 55 | CAPITAL ONE, NATIONAL ASSOCIATION | MC LEAN, VA | 3.38% | 658,464,240.0 |
| 56 | CONTINENTAL BANK | SALT LAKE CITY, UT | 3.36% | 187,809.0 |
| 57 | MEDALLION BANK | SALT LAKE CITY, UT | 3.30% | 2,620,589.0 |
| 58 | SECURITY FIRST BANK OF NORTH DAKOTA | NEW SALEM, ND | 3.29% | 284,643.0 |
| 59 | NATIONAL BANK OF ANDREWS, THE | ANDREWS, TX | 3.27% | 321,537.0 |
| 60 | HIGHLAND BANK | SAINT PAUL, MN | 3.24% | 765,504.0 |
| 61 | MIDAMERICA NATIONAL BANK | CANTON, IL | 3.19% | 640,200.0 |
| 62 | TCM BANK, NATIONAL ASSOCIATION | TAMPA, FL | 3.13% | 395,143.0 |
| 63 | SNB BANK, NATIONAL ASSOCIATION | SHATTUCK, OK | 3.02% | 135,897.0 |
| 64 | RED RIVER STATE BANK | HALSTAD, MN | 2.97% | 120,360.0 |
| 65 | JONESBORO STATE BANK | JONESBORO, LA | 2.96% | 1,225,143.0 |
| 66 | CENTURY BANK OF THE OZARKS | GAINESVILLE, MO | 2.95% | 278,184.0 |
| 67 | INBANK | RATON, NM | 2.93% | 1,410,775.0 |
| 68 | RELIANCE BANK | FARIBAULT, MN | 2.87% | 324,600.0 |
| 69 | BANK MICHIGAN | BROOKLYN, MI | 2.83% | 153,545.0 |
| 70 | BANKERS' BANK OF KANSAS | WICHITA, KS | 2.82% | 214,160.0 |
| 71 | BRIGHTON BANK | SALT LAKE CITY, UT | 2.79% | 317,062.0 |
| 72 | FOWLER STATE BANK | FOWLER, CO | 2.78% | 149,938.0 |
| 73 | THREAD BANK | ROGERSVILLE, TN | 2.76% | 953,615.0 |
| 74 | COULEE BANK | LA CROSSE, WI | 2.74% | 543,010.0 |
| 75 | FNB SOUTH | ALMA, GA | 2.67% | 713,582.0 |
| 76 | UNITED REPUBLIC BANK | OMAHA, NE | 2.66% | 197,172.0 |
| 77 | DRAKE BANK | SAINT PAUL, MN | 2.66% | 255,833.0 |
| 78 | AMERICAN EXPRESS NATIONAL BANK | SANDY, UT | 2.57% | 211,275,193.0 |
| 79 | KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE | KARNES CITY, TX | 2.57% | 549,490.0 |
| 80 | LENDINGCLUB BANK, NATIONAL ASSOCIATION | LEHI, UT | 2.55% | 11,472,011.0 |
| 81 | PRIME ALLIANCE BANK | WOODS CROSS, UT | 2.52% | 1,073,318.0 |
| 82 | FIRST BANK OF CENTRAL OHIO | WORTHINGTON, OH | 2.50% | 253,319.0 |
| 83 | NEWTEK BANK, NATIONAL ASSOCIATION | MIAMI, FL | 2.46% | 1,730,035.0 |
| 84 | LEAD BANK | KANSAS CITY, MO | 2.45% | 2,610,128.0 |
| 85 | NoneNone | 2.37% | 1,018,424.0 | |
| 86 | BCB COMMUNITY BANK | BAYONNE, NJ | 2.35% | 3,278,810.0 |
| 87 | INSBANK | NASHVILLE, TN | 2.34% | 1,050,158.0 |
| 88 | FLATWATER BANK | GOTHENBURG, NE | 2.30% | 341,831.0 |
| 89 | BANCORP BANK NATIONAL ASSOCIATION, THE | SIOUX FALLS, SD | 2.23% | 9,349,048.0 |
| 90 | BANK OF WASHINGTON | WASHINGTON, MO | 2.23% | 1,170,435.0 |
| 91 | NEWBURYPORT FIVE CENTS SAVINGS BANK | NEWBURYPORT, MA | 2.22% | 1,586,852.0 |
| 92 | BALBOA THRIFT AND LOAN ASSOCIATION | CHULA VISTA, CA | 2.20% | 409,500.0 |
| 93 | SMARTBIZ BANK, N.A. | NORTHBROOK, IL | 2.18% | 191,932.0 |
| 94 | MINDEN EXCHANGE BANK & TRUST COMPANY | MINDEN, NE | 2.18% | 190,027.0 |
| 95 | FIRST NATIONAL BANK OF OMAHA | OMAHA, NE | 2.15% | 34,573,634.0 |
| 96 | NEW VALLEY BANK & TRUST | SPRINGFIELD, MA | 2.15% | 338,993.0 |
| 97 | WCF FINANCIAL BANK | WEBSTER CITY, IA | 2.10% | 227,490.0 |
| 98 | CITIZENS STATE BANK | LENA, IL | 2.08% | 497,871.0 |
| 99 | USAA FEDERAL SAVINGS BANK | PHOENIX, AZ | 2.06% | 107,989,000.0 |
| 100 | FIRSTIER BANK | KIMBALL, NE | 2.04% | 1,082,291.0 |
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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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