Credit One Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 10.05 percentage points lower than in Q1 2026, at 137.16%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.97B |
| Net loans and leases | $1.69B |
| Loans held for sale | $0 |
| Loans to total assets | 80.93% |
| Loan-to-deposit ratio | 137.16% |
| Net loans to equity capital | 2.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 100.00% |
| Credit cards | 100.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 28.60% |
| Interest income on loans | $132.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $955.6M | $641.5M | 0.00% | 0.00% | 100.00% |
| Q4 2023 | $1.07B | $667.5M | 0.00% | 0.00% | 100.00% |
| Q1 2024 | $1.07B | $711.4M | 0.00% | 0.00% | 100.00% |
| Q2 2024 | $1.13B | $760.0M | 0.00% | 0.00% | 100.00% |
| Q3 2024 | $1.21B | $799.9M | 0.00% | 0.00% | 100.00% |
| Q4 2024 | $1.31B | $859.9M | 0.00% | 0.00% | 100.00% |
| Q1 2025 | $1.32B | $917.8M | 0.00% | 0.00% | 100.00% |
| Q2 2025 | $1.40B | $977.0M | 0.00% | 0.00% | 100.00% |
| Q3 2025 | $1.53B | $973.6M | 0.00% | 0.00% | 100.00% |
| Q4 2025 | $1.71B | $1.09B | 0.00% | 0.00% | 100.00% |
| Q1 2026 | $1.79B | $1.22B | 0.00% | 0.00% | 100.00% |
| Q2 2026 | $1.97B | $1.44B | 0.00% | 0.00% | 100.00% |
Credit One Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Credit One Bank, N.A., freeSource: Call Report Schedule RC-C, 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)