Credit One Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin dropped 1.66 percentage points in Q2 2026, from 22.34% to 20.68%. It was the largest change from Q1 2026 among the key lines here. Credit One Bank, N.A. has the highest net interest margin of the 14 banks headquartered in Nevada, 20.68% as of Q2 2026. Against a median of 3.71% for banks in the $1B-10B asset tier, Credit One Bank, N.A. reported 20.68% on net interest margin in Q2 2026, 16.97 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 23.01% |
| Yield on loans | 28.60% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.10% |
| Cost of interest-bearing deposits | 4.19% |
| Cost of interest-bearing liabilities | 4.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 20.68% |
| Yield to cost spread | 18.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $132.5M |
| Total interest expense | $13.9M |
| Interest expense on deposits | $13.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 23.71% | 4.41% | 21.54% | 30.50% | 3.39% |
| Q4 2023 | 23.34% | 4.79% | 21.02% | 30.51% | 3.56% |
| Q1 2024 | 23.95% | 4.91% | 21.50% | 30.02% | 3.57% |
| Q2 2024 | 24.65% | 4.98% | 21.99% | 29.97% | 4.09% |
| Q3 2024 | 24.91% | 5.09% | 22.20% | 30.42% | 3.01% |
| Q4 2024 | 24.21% | 4.97% | 21.64% | 29.97% | 2.97% |
| Q1 2025 | 23.69% | 4.69% | 21.26% | 30.01% | 3.08% |
| Q2 2025 | 22.81% | 4.60% | 20.37% | 29.58% | 3.10% |
| Q3 2025 | 24.17% | 4.45% | 21.87% | 30.00% | 3.07% |
| Q4 2025 | 23.98% | 4.30% | 21.76% | 29.43% | 3.06% |
| Q1 2026 | 24.61% | 4.12% | 22.34% | 28.94% | 3.07% |
| Q2 2026 | 23.01% | 4.10% | 20.68% | 28.60% | 3.14% |
Credit One Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Credit One Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)