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Net Charge Offs to Average Loans % is the net charge-offs divided by the average total loans during a specific period. This ratio measures the proportion of debt owed to a company that is unlikely to be recovered. A higher ratio means there’s more bad debt that is unlikely to be collected, which leads investors to believe it has a very risky portfolio.
SB Financial Group's Net Charge Offs to Average Loans % for the annual that ended in Dec. 2023 was 0.01% , which is higher than 0.00% for the pervious year ended in Dec. 2022.
The historical rank and industry rank for SB Financial Group's Net Charge Offs to Average Loans % or its related term are showing as below:
The historical data trend for SB Financial Group's Net Charge Offs to Average Loans % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SB Financial Group Annual Data | |||||||||||
Trend | Dec19 | Dec20 | Dec21 | Dec22 | Dec23 | ||||||
Net Charge Offs to Average Loans % | Get a 7-Day Free Trial | ||||||||||
Capital Adequacy Tier - Tier 1 Ratio % | Get a 7-Day Free Trial | ||||||||||
Capital Adequacy Tier - Leverage Ratio % | Get a 7-Day Free Trial | ||||||||||
Capital Adequacy Tier - Total Capital Ratio % | Get a 7-Day Free Trial | ||||||||||
Efficiency Overhead Ratio % | Get a 7-Day Free Trial |
SB Financial GroupQuarterly Data | |||||||||||||||||||||||||||||||||||||||||
Trend | Mar19 | Jun19 | Sep19 | Dec19 | Mar20 | Jun20 | Sep20 | Dec20 | Mar21 | Jun21 | Sep21 | Dec21 | Mar22 | Jun22 | Sep22 | Dec22 | Mar23 | Jun23 | Sep23 | Dec23 | |||||||||||||||||||||
Net Charge Offs to Average Loans % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Capital Adequacy Tier - Tier 1 Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Capital Adequacy Tier - Leverage Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Capital Adequacy Tier - Total Capital Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Efficiency Overhead Ratio % | Get a 7-Day Free Trial |
For the Banks - Regional subindustry, SB Financial Group's Net Charge Offs to Average Loans %, along with its competitors' market caps and Net Charge Offs to Average Loans % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Net Charge Offs to Average Loans % is calculated as
Net Charge Offs to Average Loans % | = | Net Charge-offs | / | Average Total Loans |
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SB Financial Group (NAS:SBFG) Net Charge Offs to Average Loans % Explanation
A Net Charge-off (NCO) is the dollar amount representing the difference between gross charge-offs and any subsequent recoveries of delinquent debt. The bad debt often needs to be written off and classified as gross charge-off. If any money is recovered from that debt, the recovered amount needs to be subtracted from gross charge-off, which is how we get the net charge-off.
Net Charge Offs to Average Loans % represents the amount of debt that a company believes it will never collect and is an indicator of a financial institution's loan portfolio performance. A higher ratio, especially when compared to the previous period or to other banks, would suggest that there’s more bad debt that is unlikely to be collected and the loan portfolio may be too risky.
Thank you for viewing the detailed overview of SB Financial Group's Net Charge Offs to Average Loans % provided by GuruFocus.com. Please click on the following links to see related term pages.
Timothy J. Stolly | director | 700 BLUFF OAK TRAIL, LIMA OH 45807 |
Timothy L. Claxton | director | 327 BAROUCHE PL., FORT WAYNE IN 46845 |
Mark A Klein | officer: CHAIRMAN, PRESIDENT & CEO | 225 KETTENRING DRIVE, DEFIANCE OH 43512 |
William G Martin | director | 136 DEERFIELD CIRCLE, BRYAN OH 43506 |
Richard L Hardgrove | director | 1959 MARBLE CLIFF CROSSING CT., COLUMBUS OH 43204 |
Steven A. Walz | officer: EVP OF SUBSIDIARY | 324 NORTHWOOD DR., DEFIANCE OH 43512 |
George W Carter | director | 15316 RD 168, PO BOX 322, PAULDING OH 45879 |
Anthony Van Cosentino | officer: EVP OF SUBSIDIARY | 1600 BRIDGEWOOD COURT, DEFIANCE OH 43512 |
David A. Homoelle | officer: REGIONAL PRESIDENT OF SUBSIDIA | 903 GATEHOUSE LANE, COLUMBUS OH 43235 |
Keeta Jane Diller | officer: EVP OF SUBSIDIARY | 13801 FRUIT RIDGE ROAD, DEFIANCE OH 43512 |
Gaytan Garcia Juan Ernesto | officer: EVP OF SUBSIDIARY | 2103 SOUTH BROOKHILL LANE, CANTON MI 48188 |
Rita A Kissner | director | 135 BIEDE PLACE, DEFIANCE OH 43512 |
Tom R Helberg | director | 30600 N. PIMA RD., UNIT 50, SCOTTSDALE AZ 85266 |
Jonathan R. Gathman | other: EVP OF SUBSIDIARY | 703 BURNING TREE DRIVE, DEFIANCE OH 43512 |
Fawcett Jr Robert A | director | 172 EASTOWNE DRIVE, OTTAWA OH 45875 |
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