Credit One Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 10.83 percentage points lower than in Q1 2026, at 197.71%. Among 14 Nevada banks, Credit One Bank, N.A. sits 2nd from the top on loan-to-deposit ratio, 137.16% as of Q2 2026. Credit One Bank, N.A.'s loan-to-deposit ratio of 137.16% is well above the 88.20% median for banks in the $1B-10B asset tier, a gap of 48.96 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $499.4M |
| Cash and noninterest-bearing balances to assets | 20.23% |
| Cash and securities | $513.2M |
| Fed funds sold and reverse repos | $6.0M |
| Fed funds sold and reverse repos to assets | 0.24% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 137.16% |
| Net loans and leases to deposits | 117.19% |
| Loans and leases to core deposits | 197.71% |
| Core deposits to total deposits | 69.37% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 148.98% | 78.30% | $0 | $0 |
| Q4 2023 | 159.90% | 77.80% | $0 | $0 |
| Q1 2024 | 150.91% | 75.90% | $0 | $0 |
| Q2 2024 | 149.15% | 75.51% | $0 | $0 |
| Q3 2024 | 151.59% | 74.14% | $0 | $0 |
| Q4 2024 | 152.43% | 74.17% | $0 | $0 |
| Q1 2025 | 143.34% | 74.32% | $0 | $0 |
| Q2 2025 | 143.20% | 72.18% | $0 | $0 |
| Q3 2025 | 156.93% | 71.78% | $0 | $0 |
| Q4 2025 | 157.63% | 70.99% | $0 | $0 |
| Q1 2026 | 147.21% | 70.59% | $0 | $0 |
| Q2 2026 | 137.16% | 69.37% | $0 | $0 |
Credit One Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Credit One Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)