BDI

credit

Net Charge-Offs, Year to Date

Loan charge-offs minus recoveries for the year to date.

As of Q1 2026FDICNTLNLSFDICDRLNLSFDICCRLNLSSource retrieved 2026-08-01

National median

$2K

Middle half

$0$58K

Direction

Lower is favorable

What it means

Why this metric matters

Net charge-offs are losses actually recognized, not just expected. They provide a lagging but concrete measure of underwriting outcomes.

How it is calculated

Formula and source fields

NTLNLS + DRLNLS + CRLNLS

Source fields: NTLNLS + DRLNLS + CRLNLS. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,235 observations · Q1 2026

10th percentile

−$9K

25th percentile

$0

Median

$2K

75th percentile

$58K

90th percentile

$550K
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

Highest and lowest banks

These lists describe reported values, not quality rankings. Compare business models and peer groups before drawing conclusions.

Lowest reported values

  1. 1
    Crescent BankLA
    −$17.1M
  2. 2
    Carter Bank & TrustVA
    −$14.9M
  3. 3
    The Bank of New York MellonNY
    −$11M
  4. 4
    First Federal Savings and Loan Association of LakewoodOH
    −$5.87M
  5. 5
    Wilmington Savings Fund Society, FSBDE
    −$3.46M
  6. 6
    West Pointe BankWI
    −$2.82M
  7. 7
    FNB SOUTHGA
    −$2.47M
  8. 8
    Grasshopper Bank, N.A.NY
    −$2.01M
  9. 9
    Iowa State BankIA
    −$1.74M
  10. 10
    Johnson BankWI
    −$1.63M

Highest reported values

  1. 1
    Capital One, National AssociationVA
    $3.85B
  2. 2
    JPMorgan Chase Bank, National AssociationOH
    $2.32B
  3. 3
    Citibank, National AssociationSD
    $1.84B
  4. 4
    Bank of America, National AssociationNC
    $1.41B
  5. 5
    Synchrony BankUT
    $1.32B
  6. 6
    Wells Fargo Bank, National AssociationSD
    $1.1B
  7. 7
    American Express National BankUT
    $1.03B
  8. 8
    U.S. Bank National AssociationOH
    $546M
  9. 9
    Truist BankNC
    $491M
  10. 10
    Ally BankUT
    $416M

Continue exploring

Related metrics

Loans Past Due 30–89 Days30–89 Day Past Due RatioLoans Past Due 90+ Days90+ Day Past Due RatioNonaccrual Loans