Load Bank Testing: What It Is, Why It Matters & How to Do It Right

10 min read

Load bank testing is one of the most critical maintenance procedures for standby and prime power generators. A properly executed load bank test verifies that your generator can handle its rated capacity, prevents wet stacking damage, and ensures compliance with NFPA 110 and JCAHO requirements. Power Generation Enterprises (PGE) sells load banks ranging from 300KW to 2000KW from brands like Avtron, Simplex, and LoadTec. Call us at (818) 484-8550 for availability and pricing.

What Is Load Bank Testing?

We load test every generator before it leaves our yard. Not a 30-minute idle test — a real stepped load test at 25%, 50%, 75%, and 100% of rated output. A load bank test is the only way to know a generator will actually deliver its rated power when you need it. The load bank converts electrical output into heat through resistive elements while we monitor voltage, frequency, oil pressure, coolant temp, and exhaust conditions at each step.

Here is the thing most people do not realize: a generator that starts and runs at idle proves almost nothing. We have seen units that purred like a kitten at no-load but fell on their face at 75%. The governor hunts, the voltage sags, the exhaust goes black. The only way to find that out before an actual emergency is a load bank test.

For a lot of facilities, this is not optional. Hospitals, data centers, high-rise buildings, and any building with emergency power under NFPA 110 — your fire marshal and your insurance company both want to see documented load test results. We sell the equipment to do it yourself, and every generator we ship comes with a test report.

Types of Load Bank Tests

Resistive Load Bank Testing

This is the bread and butter of generator testing. A resistive load bank is essentially a giant set of heating elements — think industrial space heater on steroids. You connect it to the generator output, dial up the load in steps (usually 50KW or 100KW increments), and the load bank converts all that electrical output into heat. Simple, effective, and what NFPA 110 calls for in most routine maintenance testing.

Most of the load banks we stock are resistive units. The Avtron LPV700 700KW and Simplex MARS-500 are our most popular sellers — contractors and facility managers buy them for routine monthly testing.

Reactive Load Bank Testing

Real buildings do not present a purely resistive load. Motors, transformers, HVAC compressors, elevators — all of that creates a lagging power factor, typically around 0.8. A reactive load bank adds inductive load to simulate those real-world conditions. It forces the alternator voltage regulator and excitation system to work harder than a pure resistive test.

We usually recommend reactive testing during commissioning or if you are troubleshooting voltage regulation issues. For routine monthly testing, resistive is fine.

Combined (Resistive/Reactive) Testing

A combined test uses both resistive and reactive load banks at the same time, creating a load profile at about 0.8 power factor — which is how most generators are actually rated. This is the most thorough test you can run because it exercises everything: engine, alternator, voltage regulator, governor, and cooling system under conditions identical to a real outage. We recommend combined testing for commissioning new installations and for annual performance verification on large standby systems.

Why Your Generator Needs Load Bank Testing

Wet Stacking — The Silent Killer

You can smell wet stacking before you see it. That black, oily film around the exhaust stack and turbo outlet? That is unburned fuel and carbon deposits from running under light loads. When a diesel generator sits at idle or runs below 30% of rated capacity — which is what most standby generators do during monthly “tests” — the combustion chamber never gets hot enough to burn fuel completely.

Over time, the deposits build up in the exhaust system, turbo, and cylinder walls. Power output drops. Fuel consumption goes up. Eventually the engine cannot make rated power even if you ask it to. We have bought generators at auction that were listed as “low hours, runs great” but could not hold 60% load because they had been wet-stacked for a decade.

The fix is simple: run the generator at 75-100% load for 2-4 hours. A load bank test burns off the carbon deposits and restores performance. Do it regularly and wet stacking never becomes a problem in the first place.

Commissioning and Acceptance

Every new generator installation should get a full load bank test before you sign off on it. The commissioning test proves the generator, transfer switch, distribution equipment, and controls all work together as a system. It also gives you baseline numbers — voltage regulation, frequency stability, fuel burn rate, operating temps — that you can compare against in future tests.

Code Compliance

If you have emergency power, your authority having jurisdiction (AHJ) wants documented proof that it works. NFPA 110, the Joint Commission (JCAHO) for hospitals, and most insurance carriers require specific load testing protocols. A generator without test documentation is a generator that does not exist, as far as your inspector is concerned.

NFPA 110: What Your Inspector Is Going to Ask For

Here is what NFPA 110 (2022 edition) actually requires for Level 1 and Level 2 emergency power supply systems:

  • Monthly testing: Run the generator for at least 30 minutes. If you cannot get to 30% of nameplate kW with actual building load, you need a load bank to make up the difference.
  • Annual load test: A stepped test — 30% for 30 minutes, then 50% for 30 minutes, then 75% for 60 minutes. That is a two-hour test minimum. If your building cannot provide those loads, you need a load bank.
  • The 12-month catch: If your diesel generator has not hit at least 30% load during any monthly test in the past year, you must run a load bank test at 50% for 30 minutes followed by 75% for 60 minutes.

The practical reality: most standby generators in office buildings and small hospitals never see 30% load during monthly tests because the building load is a fraction of the generator rating. That means the annual load bank test is not optional — it is a code requirement. We sell load banks specifically for this reason, and we can help you figure out what size you need. Call (818) 484-8550.

ModelCapacityTypeVoltageApplication
Avtron K875A1000KWResistive480VLarge generators, commissioning
Avtron LPV700700KWResistive480VMid-range generators, portable testing
LOADTEC OSW4v-1500.11500KWResistive480VLarge generator testing, industrial
Simplex Saturn2000KWResistive480VExtra-large generators, data centers
Simplex MARS-500500KWResistive480VCommercial generators, routine testing
Avtron 750KW750KWResistive480VMid-range to large generators

How to Run a Load Bank Test

We have done thousands of these. Here is the procedure we follow and what we tell our customers to do:

Before you start: Check engine oil level, coolant level, and fuel level. Inspect belts, hoses, and connections. Make sure the load bank is positioned where exhaust air can flow freely — not recirculating into the generator radiator intake. Connect your cables (more on sizing below) and verify all connections are tight.

Step 1 — Warm up at 25% load (30 minutes). Start the generator, let it stabilize, then apply 25% of rated load. Monitor coolant temp — you want to see it climb to normal operating range (180-200F on most diesel engines). Watch oil pressure. This step is about bringing everything up to temperature gradually. Do not slam a cold engine to full load.

Step 2 — Step to 50% load (30 minutes). Increase to 50% and hold. Voltage should be within +/- 2% of nominal (480V +/- 10V). Frequency should hold at 60Hz +/- 0.5Hz. If you see voltage sag or frequency droop beyond those limits, you have a governor or voltage regulator issue to address.

Step 3 — Step to 75% load (30 minutes). This is where problems show up. Exhaust gas temperature should rise proportionally. If you see black smoke at 75%, the engine may need injector service, turbo inspection, or valve adjustment. Coolant temp should stabilize — if it keeps climbing past 210F, the cooling system cannot reject enough heat and you have a radiator, thermostat, or fan issue.

Step 4 — Step to 100% load (30-60 minutes). Full rated output. Everything should hold steady. This is the test that proves the generator can deliver what it says on the nameplate. If voltage, frequency, temperatures, and pressures are all stable at 100% for 30 minutes, the unit passes.

Cool down: Step the load back down to 50%, then 25%, then remove load entirely. Let the engine idle for 5 minutes before shutdown. Never shut down a hot, loaded diesel engine — the turbo needs cool-down time.

Equipment: What Size Load Bank Do You Need?

Simple rule: buy a load bank rated to at least 80% of your largest generator. NFPA 110 only requires 30%, but 30% barely proves anything. We tell our customers to test at 100% if possible, 80% minimum.

Here is what we stock and what each one is best for:

Cable sizing matters. For a 1000KW, 480V load bank, you are pulling about 1,200 amps. That requires 4 sets of 500MCM cables minimum for a 100-foot run. We have seen facilities try to use undersized cables and wonder why the load bank only draws 60% power. The voltage drop in the cables eats the rest. Ask us about cable requirements when you buy a load bank — we will spec it out for you.

Buying vs. Renting a Load Bank

The rental market for load banks is active, especially in the 500-1000KW range. A 750KW resistive load bank typically rents for $1,500-$3,000 per week plus delivery. If you test once a year, renting makes sense.

But if you test more than twice a year — which NFPA 110 effectively requires for most standby installations — buying pays for itself fast. A used Avtron 750KW in good condition runs $12,000-$18,000 from us. Two annual rentals at $2,500 each plus delivery runs $6,000-$8,000 per year. In two years, you have paid for a load bank you own.

For hospitals and data centers that test monthly, the math is even more obvious. And owning your own load bank means you test on your schedule, not when the rental company has availability.

We stock load banks from 300KW to 2000KW at our Santa Clarita facility. Call (818) 484-8550 and we can help you figure out the right size for your generator fleet.

Load Bank Testing Tips
1
Start at 25% Load and Step Up
Never slam a generator to full load from cold start. Start at 25% for 30 minutes, then step to 50%, 75%, and finally 100%. Each step should run at least 30 minutes while you monitor coolant temp, oil pressure, and exhaust temp. We have seen cracked heads on engines that went from idle to 100% load in under five minutes — the thermal shock is real, especially on older mechanical units that have been sitting.
2
Size the Load Bank to at Least 80% of Generator Rating
NFPA 110 requires testing at a minimum of 30% of nameplate rating, but that barely proves anything. A generator that runs fine at 30% can fall on its face at 80%. If you are buying a load bank, get one rated to at least 80% of your largest generator. A 1000KW load bank for a 1250KW generator is the minimum — call us at (818) 484-8550 and we can match the right load bank to your generator fleet.
3
Check Your Cable Sizing — Undersized Cables Kill Load Banks
The connection cables between your generator and load bank need to handle the full rated current without excessive voltage drop. For a 1000KW, 480V load bank, you are looking at 1,200 amps — that requires 4 sets of 500MCM cables at minimum for a 100-foot run. We have seen facilities try to use undersized cables and wonder why the load bank only draws 60% power. The voltage drop in the cables is the culprit every time.
4
Document Everything — Your Inspector Will Ask
For JCAHO-accredited hospitals and NFPA 110 compliance, you need written test records showing date, time, duration, load level (kW), voltage, frequency, coolant temp, and oil pressure at each step. A test without documentation is a test that did not happen, as far as your AHJ is concerned. Most modern load banks have data logging built in — the Simplex Saturn 2000KW we stock at PGE includes full data recording and printable test reports.
5
Outdoor Load Banks Need Weather Consideration
Resistive load banks dump heat — a 1000KW unit dissipates 3.4 million BTU per hour through the resistor grids. In Southern California summers, ambient temps above 100F can reduce load bank capacity by 10-15%. Position the load bank where the exhaust air can flow freely and is not recirculating into the generator radiator intake. The Avtron K875A units we carry are NEMA 3R rated for outdoor installation, but still need clear airflow on all sides.
Frequently Asked Questions
What is load bank testing?+

Load bank testing is a procedure where an artificial electrical load is applied to a generator using specialized equipment called a load bank. The test verifies that the generator can produce its full rated power output and that all engine and alternator systems function correctly under demand. A load bank converts electrical energy into heat through resistive elements, allowing technicians to precisely control the load level, typically testing at 25%, 50%, 75%, and 100% of capacity. PGE sells load banks from 300KW to 2000KW for facilities that need to perform regular testing. Call (818) 484-8550 for equipment availability.

How often should generators be load tested?+

NFPA 110 requires monthly testing of emergency generators for a minimum of 30 minutes under load. If the generator cannot achieve at least 30% of its nameplate kW rating during monthly tests using building load alone, a load bank must be used. Additionally, an annual load test is required: 30 minutes at 50% load followed by 60 minutes at 75% load. Hospitals under Joint Commission accreditation must also conduct a four-hour triennial test. Generators that consistently run under light loads should be load tested more frequently to prevent wet stacking. Contact PGE at (818) 484-8550 for load bank equipment to keep your facility compliant.

What size load bank do I need?+

Your load bank should be rated at or above your generator nameplate kW output. For a 500KW generator, you need at least a 500KW load bank. If you test multiple generators of different sizes, size the load bank for your largest unit. A larger load bank can always be operated at partial capacity for smaller generators. PGE stocks load banks from 500KW to 2000KW including the Simplex MARS-500, Avtron LPV700 (700KW), Avtron K875A (1000KW), LOADTEC 1500KW, and Simplex Saturn (2000KW). Call (818) 484-8550 for help selecting the right unit for your fleet.

What is wet stacking and how does load bank testing prevent it?+

Wet stacking occurs when a diesel generator operates below approximately 30% of its rated capacity for extended periods. At low loads, combustion temperatures are insufficient for complete fuel burn, causing unburned fuel, carbon, and soot to accumulate in the exhaust system, turbocharger, and cylinder walls. Symptoms include black exhaust smoke, oil leaks at exhaust joints, and reduced power output. Load bank testing at 75-100% capacity for 2-4 hours raises exhaust temperatures high enough to burn off these deposits, restoring engine performance. Regular load testing prevents wet stacking from developing. PGE can supply the right load bank for your maintenance program. Call (818) 484-8550.

Does PGE sell load banks?+

Yes. Power Generation Enterprises sells quality load banks from leading manufacturers including Avtron, Simplex, LoadTec, and Load Banks Direct. Our current inventory includes units ranging from 500KW to 2000KW, suitable for testing commercial and industrial generators. Available models include the Avtron K875A (1000KW), Avtron LPV700 (700KW), LOADTEC OSW4v-1500.1 (1500KW), Simplex Saturn (2000KW), Simplex MARS-500 (500KW), and Avtron 750KW. All units are inspected and tested before shipment from our Santa Clarita, California facility. Call (818) 484-8550 for current pricing, availability, and shipping quotes.

What is the difference between resistive and reactive load bank testing?+

Resistive load bank testing applies a purely resistive (unity power factor) load that converts generator output directly into heat. It tests the engine at rated horsepower and verifies basic alternator output. Reactive load bank testing adds inductive or capacitive elements to create a lagging power factor (typically 0.8), simulating real-world conditions with motors and transformers. Combined resistive/reactive testing is the most thorough because it exercises the alternator voltage regulator and excitation system under realistic conditions. Most routine NFPA 110 testing uses resistive load banks. PGE carries resistive load banks from 500KW to 2000KW. Call (818) 484-8550 to discuss your testing needs.

Need a Load Bank? We Have Them in Stock

Power Generation Enterprises stocks load banks from 500KW to 2000KW by Avtron, Simplex, and LoadTec. Browse our current inventory of tested and inspected load banks ready for immediate shipment from Santa Clarita, California.

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Power Generation Enterprises

Written by Power Generation Enterprises

Generator Specialist
Power Generation Enterprises supplies load banks and industrial generators from our Santa Clarita, California facility. Whether you need a load bank for commissioning, maintenance testing, or code compliance, our team can help you find the right equipment. Call (818) 484-8550.