Bank Safety Analysis
Is Credit One Bank, N.A. Safe? Las Vegas, Nevada
Based on its Q3 2026 call report, Credit One Bank, N.A. meets the community bank leverage ratio test for well capitalized, its Texas ratio is 7.80%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Credit One Bank, N.A. safe?
On its Q3 2026 call report, Credit One Bank, N.A.'s Community Bank Leverage Ratio is 26.57%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 26.57%
- Texas ratio (Q3 2026): 7.80%
- Noncurrent loans ratio (Q3 2026): 3.50%
Credit One Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #25620). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Credit One Bank, N.A. (FDIC Certificate #25620) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Credit One Bank, N.A. is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 2 risk screens are flagged: nonperforming loan ratio and loan-to-deposit ratio.
The standout move of Q3 2026 was in return on assets: 1.86 percentage points higher than in Q2 2026, at 24.53%. Among 15 Nevada banks, Credit One Bank, N.A. sits 3rd from the top on leverage ratio, 26.57% as of Q3 2026. Against a median of 10.54% for banks in the $1B-10B asset tier, Credit One Bank, N.A. reported 26.57% on leverage ratio in Q3 2026, 16.03 points higher. From Q4 2023 to Q3 2026, Credit One Bank, N.A.'s Texas ratio ranged between 5.27% (Q4 2023) and 7.80% (Q3 2026). Between Q3 2025 and Q3 2026, Credit One Bank, N.A.'s nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 3.52% to 3.50%, Texas ratio rose from 6.53% to 7.80% and return on assets fell from 27.26% to 24.53%.
Credit One Bank, N.A. ranks as the 4th largest of the 15 banks based in Nevada, by total assets at Q3 2026. Credit card loans are its largest loan category, $2.16B of $2.16B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Credit One Bank, N.A.'s community bank leverage ratio of 26.57% is above the 10.54% median, nonperforming loans ratio of 3.50% is above the 0.54% median, Texas ratio of 7.80% is above the 3.95% median, and efficiency ratio of 57.85% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Credit One Bank, N.A. score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Credit One Bank, N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 7.80% | Within range |
| Nonperforming loan ratio BankRegReports band | 3.50% | Flagged |
| Uninsured deposit share BankRegReports band | 8.29% | Within range |
| Loan-to-deposit ratio BankRegReports band | 132.22% | Flagged |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 7.80% |
| Q2 2026 | 6.71% |
| Q1 2026 | 7.46% |
| Q4 2025 | 7.79% |
| Q3 2025 | 6.53% |
| Q2 2025 | 5.98% |
| Q1 2025 | 6.73% |
| Q4 2024 | 7.32% |
| Q3 2024 | 6.88% |
| Q2 2024 | 6.39% |
| Q1 2024 | 6.00% |
| Q4 2023 | 5.27% |
Loans by type, Q3 2026
- Credit card loans: $2.16B
How have Credit One Bank, N.A.'s safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $2.67B | 26.57% | 3.50% | 7.80% | 57.85% |
| Jun 30, 2026 | $2.44B | 28.17% | 3.19% | 6.71% | 58.23% |
| Mar 31, 2026 | $2.16B | 29.51% | 3.60% | 7.46% | 59.76% |
| Dec 31, 2025 | $1.97B | 26.98% | 3.60% | 7.79% | 61.00% |
| Sep 30, 2025 | $1.92B | 32.92% | 3.52% | 6.53% | 59.43% |
| Jun 30, 2025 | $1.92B | 34.13% | 3.48% | 5.98% | 58.70% |
| Mar 31, 2025 | $1.81B | 34.00% | 3.90% | 6.73% | 59.57% |
| Dec 31, 2024 | $1.66B | 31.37% | 3.86% | 7.32% | 59.22% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Credit One Bank, N.A. FDIC insured?
Yes. Credit One Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #25620). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Credit One Bank, N.A. well capitalized?
On its Q3 2026 call report, Credit One Bank, N.A.'s Community Bank Leverage Ratio is 26.57%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Credit One Bank, N.A.'s key safety ratios?
For Q3 2026, Credit One Bank, N.A. reports leverage 26.57%, Texas ratio 7.80%, noncurrent loans 3.50%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Credit One Bank, N.A. fails?
For Q3 2026, Credit One Bank, N.A. reported $1.64B in total deposits, 8.29% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Credit One Bank, N.A. profile.
How we score this
Credit One Bank, N.A. elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 8.0% (CBLR elected), fail ≤ 7.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 25620) · FFIEC NIC profile (RSSD 639567)
Explore: Full Credit One Bank, N.A. profile · Other banks in NV · Metric glossary · How the call report works