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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Las Vegas, NV · FDIC certificate #25620 · RSSD 639567
CREDIT ONE BANK NA is an FDIC-insured institution based in Las Vegas, NV (FDIC certificate #25620). In its Q3 2026 Call Report it reported total assets of $2.7B, total deposits of $1.6B and net loans of $1.9B. Its primary federal regulator is OCC.
Plain-language readout
CREDIT ONE BANK NA is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: CREDIT ONE BANK NA reported 0.000, in the 0.0th percentile of 890 peers, where the median is 0.016. Selected CRE loans to gross loans and leases: CREDIT ONE BANK NA reported 0.000, in the 0.0th percentile of 862 peers, where the median is 0.468. Deposit funding ratio: CREDIT ONE BANK NA reported 0.590, in the 2.0nd percentile of 902 peers, where the median is 0.850. Unadjusted YTD efficiency ratio: CREDIT ONE BANK NA reported 0.590, in the 47.7th percentile of 887 peers, where the median is 0.596. Bank equity to assets: CREDIT ONE BANK NA reported 0.271, in the 98.9th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: CREDIT ONE BANK NA reported 0.202, in the 48.1th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: CREDIT ONE BANK NA reported 0.102, in the 96.7th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: CREDIT ONE BANK NA reported 0.692, in the 36.1th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: CREDIT ONE BANK NA reported 1.372, in the 99.2th percentile of 890 peers, where the median is 0.881. Net interest margin: CREDIT ONE BANK NA reported 24.795, in the 99.9th percentile of 902 peers, where the median is 3.704. Net loans and leases: CREDIT ONE BANK NA reported 1686666.000, in the 58.3th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: CREDIT ONE BANK NA reported 0.000, in the 0.0th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: CREDIT ONE BANK NA reported 0.032, in the 96.3th percentile of 887 peers, where the median is 0.005. Return on assets: CREDIT ONE BANK NA reported 25.346, in the 99.7th percentile of 902 peers, where the median is 1.260. Return on equity: CREDIT ONE BANK NA reported 90.760, in the 100.0th percentile of 894 peers, where the median is 12.185. Securities to assets: CREDIT ONE BANK NA reported 0.000, in the 0.0th percentile of 895 peers, where the median is 0.147. Selected unused commitments to assets: CREDIT ONE BANK NA reported 3.945, in the 99.8th percentile of 417 peers, where the median is 0.025. Time deposits maturing within one year: CREDIT ONE BANK NA reported 0.760, in the 18.0th percentile of 880 peers, where the median is 0.914. Total assets: CREDIT ONE BANK NA reported 2439105.000, in the 60.5th percentile of 902 peers, where the median is 2016575.000. Total deposits: CREDIT ONE BANK NA reported 1439247.000, in the 43.6th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): CREDIT ONE BANK NA reported 0.590, in the 49.4th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): CREDIT ONE BANK NA reported 0.215, in the 99.9th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: CREDIT ONE BANK NA reported 0.242, in the 99.9th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: CREDIT ONE BANK NA reported 0.023, in the 84.6th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: CREDIT ONE BANK NA reported 0.219, in the 99.9th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: CREDIT ONE BANK NA reported 0.725, in the 99.9th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: CREDIT ONE BANK NA reported 0.557, in the 100.0th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: CREDIT ONE BANK NA reported 0.134, in the 100.0th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: CREDIT ONE BANK NA reported 0.253, in the 99.7th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: CREDIT ONE BANK NA reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: CREDIT ONE BANK NA reported 0.253, in the 99.7th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: CREDIT ONE BANK NA reported 0.253, in the 99.7th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: CREDIT ONE BANK NA reported 0.200, in the 99.7th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: CREDIT ONE BANK NA reported 1.020, in the 99.9th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: CREDIT ONE BANK NA reported 0.570, in the 6.9th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: CREDIT ONE BANK NA reported 0.238, in the 99.9th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: CREDIT ONE BANK NA reported 0.215, in the 99.9th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: CREDIT ONE BANK NA reported 0.121, in the 99.8th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: CREDIT ONE BANK NA reported 0.036, in the 99.5th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: CREDIT ONE BANK NA reported 1.172, in the 97.5th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: CREDIT ONE BANK NA reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: CREDIT ONE BANK NA reported -0.000, in the 1.5th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: CREDIT ONE BANK NA reported 0.000, in the 22.1th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): CREDIT ONE BANK NA reported 0.387, in the 99.9th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): CREDIT ONE BANK NA reported 0.253, in the 99.7th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): CREDIT ONE BANK NA reported 0.908, in the 100.0th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: CREDIT ONE BANK NA reported 0.078, in the 2.7th percentile of 829 peers, where the median is 0.310.
Peer history below covers 19 quarters of CREDIT ONE BANK NA's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0.0th | 890 |
| Selected CRE loans to gross loans and leases | 0.000 | 0.468 | 0.0th | 862 |
| Deposit funding ratio | 0.590 | 0.850 | 2.0nd | 902 |
| Unadjusted YTD efficiency ratio | 0.590 | 0.596 | 47.7th | 887 |
| Bank equity to assets | 0.271 | 0.104 | 98.9th | 894 |
| Cash and securities to assets | 0.202 | 0.208 | 48.1th | 895 |
| Quarterly loan growth | 0.102 | 0.018 | 96.7th | 886 |
| Loan-to-asset ratio | 0.692 | 0.732 | 36.1th | 902 |
| Domestic loans to domestic deposits | 1.372 | 0.881 | 99.2th | 890 |
| Net interest margin | 24.795 | 3.704 | 99.9th | 902 |
| Net loans and leases | 1686666.000 | 1384981.000 | 58.3th | 902 |
| Nonaccrual loans ratio | 0.000 | 0.005 | 0.0th | 887 |
| Noncurrent loans ratio | 0.032 | 0.005 | 96.3th | 887 |
| Return on assets | 25.346 | 1.260 | 99.7th | 902 |
| Return on equity | 90.760 | 12.185 | 100.0th | 894 |
| Securities to assets | 0.000 | 0.147 | 0.0th | 895 |
| Selected unused commitments to assets | 3.945 | 0.025 | 99.8th | 417 |
| Time deposits maturing within one year | 0.760 | 0.914 | 18.0th | 880 |
| Total assets | 2439105.000 | 2016575.000 | 60.5th | 902 |
| Total deposits | 1439247.000 | 1666886.000 | 43.6th | 902 |
| Efficiency ratio (official UBPR) | 0.590 | 0.591 | 49.4th | 875 |
| Net interest margin (official UBPR) | 0.215 | 0.036 | 99.9th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.242 | 0.052 | 99.9th | 875 |
| Interest Expense as a percent of Average Assets | 0.023 | 0.018 | 84.6th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.219 | 0.035 | 99.9th | 875 |
| Noninterest Income as a percent of Average Assets | 0.725 | 0.006 | 99.9th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.557 | 0.024 | 100.0th | 875 |
| Provision for Loan Losses % of Avg Assets | 0.134 | 0.001 | 100.0th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.253 | 0.016 | 99.7th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.253 | 0.016 | 99.7th | 875 |
| Net Operating Income as a percent of Average Assets | 0.253 | 0.013 | 99.7th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.200 | 0.012 | 99.7th | 875 |
| Average Earning Assets as a percent of Average Assets | 1.020 | 0.956 | 99.9th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.570 | 0.723 | 6.9th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.238 | 0.055 | 99.9th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.215 | 0.037 | 99.9th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.121 | 0.000 | 99.8th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.036 | 0.003 | 99.5th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 1.172 | 0.872 | 97.5th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | -0.000 | 0.000 | 1.5th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 22.1th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.387 | 0.017 | 99.9th | 875 |
| Return on assets (official UBPR) | 0.253 | 0.013 | 99.7th | 875 |
| Return on equity (official UBPR) | 0.908 | 0.122 | 100.0th | 874 |
| Estimated uninsured to domestic deposits | 0.078 | 0.310 | 2.7th | 829 |
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | P25–75 | P25–75 | — |
| Net loansLNLSNET | < P25 | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on assetsROA | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Return on equityROE | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Net interest marginNIMY | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.