Credit One Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Credit One Bank, N.A. is an FDIC-insured commercial bank headquartered in Las Vegas, NV, established in 1984 (FDIC certificate 25620), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.44B, up 26.9% from Q2 2025, the 4th largest of 14 banks headquartered in Nevada. It reports no CET1 ratio; its Tier 1 leverage ratio was 28.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 25620
- Headquarters
- Las Vegas, NV
- Established
- 1984
- Total assets, Q2 2026
- $2.44B
- Assets vs Q2 2025
- +26.9%
- Tier 1 leverage ratio, Q2 2026
- 28.17%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122402133
- Latest call report
- Q2 2026, FFIEC 041 · Credit One Bank, N.A. call report
- Holding company
- CREDIT ONE FINANCIAL
- Asset rank in state
- 4th of 14 in Nevada
Credit One Bank, N.A. pays more for its money than most banks of its size. Its balance sheet stood at $2.4 billion at June 30, 2026, up 26.9% from a year earlier; it is based in Las Vegas, Nevada. It pays an average of 4.10% on its deposits and borrowings, about double the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 28.17% of its assets with Tier 1 capital, 2.7 times the median of 10.52% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 41.1% and deposits rose 47.3%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.19% of loans, down from 3.48% a year earlier.
As of June 30, 2026, Credit One Bank, N.A. reported a return on assets of 22.67%, a nonperforming-loan ratio of 3.19% and a Texas ratio of 6.71%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Credit One Bank, N.A. is the 4th largest of the 14 banks headquartered in Nevada. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 12.8% to $2.44B, loans rose 10.2% and deposits rose 18.3%. Credit card loans made up 100.0% of its total loans on June 30, 2026, its largest category. The FDIC Summary of Deposits lists a single office for it, in Las Vegas, NV. On its Q2 2026 call report, Credit One Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6801 S Cimarron Rd, Las Vegas, NV 89113
- County
- Clark
- Metro Area
- Las Vegas-Henderson-North Las Vegas, NV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 30, 1984
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 1,216
- Domestic deposits
- $1.44B
- Allowance for credit losses
- $287.4M
- Net charge-offs (YTD)
- $108.6M
- Average total assets
- $2.32B
- Average total loans
- $1.85B
- Average interest-bearing deposits
- $1.35B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 30, 1984
- FDIC Cert
- 25620
- Fed RSSD
- 639567
- SEC CIK
- 1201135 → filed by CREDIT ONE FINANCIAL
- Website
- WWW.CREDITONEBANK.COM →
- Parent Holding Company
- CREDIT ONE FINANCIAL (RSSD 4805463)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Credit One Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Credit One Bank, N.A.'s total assets ran between $1.40B (Q3 2023) and $2.44B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.44B total assets against $1.92B; $1.78B total liabilities against $1.28B.
$1.69B net loans and leases against $1.22B; $1.44B total deposits against $977.0M.
$13.9M securities against $13.8M; $499.4M cash and balances due against $429.1M.
$137.3M total interest income against $104.5M; $13.9M total interest expense against $11.2M.
$123.4M net interest income against $93.4M.
$398.3M total noninterest income against $356.8M; $303.8M total noninterest expense against $264.3M.
$86.5M provision for credit losses against $48.5M.
$131.3M net income against $137.5M.
22.67% return on assets against 29.50%; 20.68% net interest margin against 20.37%.
28.17% tier 1 leverage ratio against 34.13%.
Inside the full Credit One Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Credit One Bank, N.A. rankings
Its closest position to the top of a national ranking is 502 of 4,196, for total assets; its furthest is 949 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 20.23% (Q4 2025) to 33.40% (Q1 2025) and its net interest margin ran from 20.37% (Q2 2025) to 22.34% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.17% | 22.67% | 3.19% | 6.71% | 20.68% |
| Q1 2026 | 29.51% | 28.19% | 3.60% | 7.46% | 22.34% |
| Q4 2025 | 26.98% | 20.23% | 3.60% | 7.79% | 21.76% |
| Q3 2025 | 32.92% | 27.26% | 3.52% | 6.53% | 21.87% |
| Q2 2025 | 34.13% | 29.50% | 3.48% | 5.98% | 20.37% |
| Q1 2025 | 34.00% | 33.40% | 3.90% | 6.73% | 21.26% |
| Q4 2024 | 31.37% | 32.52% | 3.86% | 7.32% | 21.64% |
| Q3 2024 | 30.91% | 28.11% | 3.74% | 6.88% | 22.20% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Credit One Bank, N.A. (main office) | Las Vegas , NV | 89113 | $1.44B |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 5 against the institution (OCC); 6 against individuals associated with it
- May 24, 2004, OCC: C&D or PC&D Requiring Restitution: First National Bank of Marin
- May 24, 2004, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank of Marin
- December 3, 2001, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank of Marin
- October 17, 1996, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank Of Marin
- November 23, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank Of Marin
- Period: Most recent institution action May 24, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in NV, rank 11 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $45K approved, $45K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 19 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2024-Q1 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Credit One Bank, N.A.
What are Credit One Bank, N.A.'s total assets?
As of the Q2 2026 filing, Credit One Bank, N.A. reported total assets of $2.44 billion in its FFIEC call report.
Where is Credit One Bank, N.A. headquartered?
It is headquartered in Las Vegas, NV, United States.
When was Credit One Bank, N.A. founded?
It was established in 1984, per the FDIC institution directory.
Is Credit One Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25620). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Credit One Bank, N.A.?
Credit One Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Credit One Bank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Credit One Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 6.71% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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