Net charge-offs to average loans: US bank rankings
Beal Bank USA has the lowest net charge-offs to average loans of the 500 US banks ranked at , at -4.75%, ahead of Monet Bank (-4.61%) and Carter Bank & Trust (-0.82%). Median net charge-offs to average loans: 0.09%. Source: FDIC Call Reports.
Key takeaways
- The median net charge-offs to average loans rose to 0.09% from 0.08% between and (FDIC Call Report data).
- Median net charge-offs to average loans by size: 0.36% for banks over $100 bn, against 0.06% for banks $1 bn to $10 bn (, FDIC Call Reports).
- 11 banks entered the top 25 by net charge-offs to average loans in , including Bravera Bank at 10th (FDIC Call Report data).
Ranking, Q2 2026
Rank 1 = lowest. Change: places since .
How is net charge-offs to average loans distributed?
The middle half of the net charge-offs to average loans table: between 0.02% and 0.26%. Top tenth of net charge-offs to average loans: above 0.58%; bottom tenth: below 0.00%. Far from the rest on net charge-offs to average loans: Beal Bank USA (-4.75%); Monet Bank (-4.61%); Carter Bank & Trust (-0.82%); Citibank (1.06%); Sunrise Banks (1.09%), and 30 more.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 500 | 0.02% | 0.09% | 0.26% |
| $1 bn to $10 bn | 339 | 0.01% | 0.06% | 0.20% |
| $10 bn to $100 bn | 126 | 0.05% | 0.14% | 0.27% |
| Over $100 bn | 32 | 0.17% | 0.36% | 0.55% |
What changed since Q1 2026?
Into the top 25: Bravera Bank (from 286th), Central Bank & Trust Co. (from 195th), Farmers and Merchants Bank of Long Beach (from 55th), Avidia Bank (from 150th), Bank of America California (from 60th), Lakeside Bank (from 28th), Security Bank of Kansas City (from 48th), First Farmers Bank & Trust Co. (from 283rd), WestStar Bank (from 88th), Unity Bank (from 107th), Parkway Bank and Trust Company (from 41st). Out of it: Union Savings Bank (to 29th), Ocean Bank (to 32nd), Hinsdale Bank & Trust Company (to 67th), Chemung Canal Trust Company (to 86th), FCB Banks (to 91st), Lone Star National Bank (to 127th), Columbia Bank (to 164th), Wilmington Savings Fund Society, FSB (to 204th), Village Bank and Trust (to 222nd), Cornerstone Bank (to 332nd), Planters Bank & Trust Company (to 372nd).
Biggest climbs: Bravera Bank (286th to 10th); First Farmers Bank & Trust Co. (283rd to 20th); Central Bank & Trust Co. (195th to 11th); Hills Bank and Trust Company (252nd to 69th); South Shore Bank (201st to 35th).
Biggest drops: The Bank of Missouri (47th to 462nd); Community West Bank (30th to 415th); Vantage Bank Texas (27th to 402nd); Planters Bank & Trust Company (10th to 372nd); Cornerstone Bank (21st to 332nd).
How the net charge-offs to average loans ranking is built
The net charge-off ratio is loans charged off as uncollectible for the year to date, less recoveries, annualized, as a percent of average loans and leases (FDIC field NTLNLSR). Lower is safer, so this table ranks the lowest ratio first; a negative value means recoveries exceeded charge-offs. Caveats: credit card banks have structurally high charge-offs priced into their margins; charge-offs lag delinquencies; and early-year figures annualize only a few months.
Questions
Which US bank has the lowest net charge-offs to average loans?
Beal Bank USA, at -4.75% at , among 500 banks reporting it.
What is the median net charge-offs to average loans of US banks?
0.09% at , against 0.08% at .
How is net charge-offs to average loans measured?
Annualized net charge-offs as a percent of average loans and leases (FDIC calculation). Negative = recoveries exceeded charge-offs.
When does the net charge-offs to average loans ranking change?
Quarterly. figures come after .
Other US bank rankings
Size and balance sheet: Total assets, Total deposits, Net loans and leases, Loan-to-deposit ratio, Total securities, Deposits in domestic offices, Total loans and leases (gross)
Capital: CET1 ratio, Tier 1 leverage ratio, Total risk-based capital ratio, Bank equity capital, Total equity capital
Profitability: Return on equity (ROE), Return on assets (ROA), Net interest margin, Efficiency ratio, Net income (year to date)
Asset quality: Noncurrent loans to total loans
Deposits at risk: Uninsured share of domestic deposits, Estimated uninsured deposits
Securities: Available-for-sale securities (fair value), Available-for-sale securities (amortized cost), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value)
Staff and branches: Full-time equivalent employees, Number of offices