Credit One Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to total assets: 1.56 percentage points lower than in Q1 2026, at 27.10%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 28.17% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $649.9M |
| Tier 1 capital | $649.9M |
| Total risk-based capital | — |
| Total equity capital | $661.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 27.10% |
| Tangible equity to tangible assets | 26.77% |
| Equity capital to average assets | 28.52% |
| Internal capital growth rate | 26.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $32.5M |
| Retained earnings | $626.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 37.58% | 34.19% | 33.66% |
| Q4 2023 | 41.34% | 37.42% | 36.98% |
| Q1 2024 | 39.30% | 35.04% | 34.59% |
| Q2 2024 | 32.75% | 29.60% | 29.10% |
| Q3 2024 | 30.91% | 30.51% | 30.02% |
| Q4 2024 | 31.37% | 30.90% | 30.44% |
| Q1 2025 | 34.00% | 32.77% | 32.35% |
| Q2 2025 | 34.13% | 33.38% | 32.99% |
| Q3 2025 | 32.92% | 32.85% | 32.46% |
| Q4 2025 | 26.98% | 28.15% | 27.74% |
| Q1 2026 | 29.51% | 28.66% | 28.30% |
| Q2 2026 | 28.17% | 27.10% | 26.77% |
Credit One Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Credit One Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Credit One Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25620) · FFIEC NIC profile (RSSD 639567)