Credit One Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 28.17% +19.17 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $649.9M | 649,874 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.31B | 2,306,736 | RCOAA224 |
| Recomputed ratio | 28.17% | numerator / denominator | |
| Filed ratio | 28.17% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +19.17 pp | $442.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 34,039 | 34,039 | 34,039 | 34,039 | 34,039 | 34,039 | RCOAP742 |
| Retained earnings | 626,941 | 585,590 | 522,759 | 600,092 | 610,571 | 563,084 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 660,980 | 619,629 | 556,798 | 634,131 | 644,610 | 597,123 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (11,106) | (11,106) | (11,106) | (11,106) | (11,106) | (11,106) | P859 - P840 |
| Common equity Tier 1 capital | 649,874 | 608,523 | 545,692 | 623,025 | 633,504 | 586,017 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 649,874 | 608,523 | 545,692 | 623,025 | 633,504 | 586,017 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 2,306,736 | 2,061,754 | 2,022,569 | 1,892,787 | 1,856,251 | 1,723,722 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 28.17% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 29.51% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 26.98% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 32.92% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 34.13% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 34.00% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 31.37% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 30.91% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 32.75% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 39.30% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 41.34% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 37.58% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Credit One Bank, N.A. (this bank) | CBLR | NA | NA | NA | 28.17% | |
| El Dorado Savings Bank, F.S.B. | $2.44B | Risk-based | 53.22% | 53.22% | 54.20% | 13.43% |
| Traditional Bank, Inc. | $2.44B | Risk-based | 14.02% | 14.02% | 15.11% | 10.56% |
| Cogent Bank | $2.45B | Risk-based | 11.95% | 11.95% | 13.01% | 9.72% |
| First County Bank | $2.42B | Risk-based | 12.08% | 12.08% | 13.02% | 9.55% |
| Peoples Bank | $2.42B | CBLR | NA | NA | NA | 13.27% |
| Coastal States Bank | $2.42B | Risk-based | 12.30% | 12.30% | 13.39% | 11.12% |
| Somerset Trust Company | $2.47B | Risk-based | 12.72% | 12.72% | 13.97% | 9.10% |
| First United Bank | $2.41B | Risk-based | 15.64% | 15.64% | 16.83% | 11.17% |
| Newtek Bank, N.A. | $2.47B | Risk-based | 11.52% | 11.52% | 12.79% | 8.66% |
| Peer 25th percentile | 12.05% | 12.05% | 13.02% | 9.55% | ||
| Peer median | 12.51% | 12.51% | 13.68% | 10.56% | ||
| Peer 75th percentile | 14.42% | 14.42% | 15.54% | 11.17% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/639567/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.