Credit One Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 312.69 percentage points in Q2 2026, from 5944.44% to 6257.13%. It was the largest change from Q1 2026 among the key lines here. Credit One Bank, N.A. has the highest return on assets of the 14 banks headquartered in Nevada, 22.67% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Credit One Bank, N.A. reported 22.67% on return on assets in Q2 2026, 21.39 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 28.17% |
| Equity capital to assets | 27.10% |
| Tangible equity to tangible assets | 26.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 12.00% |
| Texas ratio | 7.20% |
| Allowance for credit losses to loans | 14.56% |
| Reserve coverage of non-performing loans | 6257.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 22.67% |
| Return on equity | 82.05% |
| Net interest margin | 20.68% |
| Efficiency ratio | 58.23% |
| Yield on earning assets | 23.01% |
| Cost of funds | 4.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 137.16% |
| Core deposits to total deposits | 69.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 59.01% |
| Securities to assets | 0.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 37.58% | 36.88% | 21.54% | 0.00% | 9.93% |
| Q4 2023 | 41.34% | 31.00% | 21.02% | 0.00% | 11.13% |
| Q1 2024 | 39.30% | 32.32% | 21.50% | 0.00% | 12.60% |
| Q2 2024 | 32.75% | 32.45% | 21.99% | 0.23% | 13.58% |
| Q3 2024 | 30.91% | 28.11% | 22.20% | 0.24% | 11.83% |
| Q4 2024 | 31.37% | 32.52% | 21.64% | 0.24% | 12.76% |
| Q1 2025 | 34.00% | 33.40% | 21.26% | 0.25% | 13.27% |
| Q2 2025 | 34.13% | 29.50% | 20.37% | 0.26% | 13.23% |
| Q3 2025 | 32.92% | 27.26% | 21.87% | 0.25% | 11.53% |
| Q4 2025 | 26.98% | 20.23% | 21.76% | 0.24% | 11.76% |
| Q1 2026 | 29.51% | 28.19% | 22.34% | 0.24% | 12.24% |
| Q2 2026 | 28.17% | 22.67% | 20.68% | 0.23% | 12.00% |
Credit One Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Credit One Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)