credit

Net Charge-Off Rate

Annualized net charge-offs as a percentage of average gross loans.

As of Q1 2026FDICNTLNLSFDICLNLSGRSource retrieved 2026-08-01

National median

0.00%

Middle half

0.00%0.07%

Direction

Lower is favorable

What it means

Why this metric matters

The rate scales realized credit losses to the loan book. It is best compared by loan mix because consumer and commercial portfolios have different normal loss rates.

How it is calculated

net_charge_offs_ytd * 4 / quarter_of_year / NULLIF(avg_gross_loans, 0) * 100

Source fields: NTLNLS + LNLSGR. Annualized as described in the methodology.

Read the calculation methodology →

National distribution

Across active reporting banks

4,200 observations · Q1 2026

10th percentile

−0.02%

25th percentile

0.00%

Median

0.00%

75th percentile

0.07%

90th percentile

0.30%

Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.

Reported extremes