This Banking Profile explores some key metrics by “Asset Quality” ratings assigned by bank supervisors. For example, based on nationwide bank data, banks rated “1” or “2” (satisfactory or better) typically have total classification ratios of 41% or lower, noncurrent loan ratios of 2.9% or lower, net charge-off ratios of 0.9% or lower, and ALLL / Noncurrent loan multiples of 0.5x or higher.