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Credit One Bank, National Association

$1B-$10B Specialty: Credit Card NV FDIC cert 25620

Las Vegas, NV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 4 in NV.
  • Deposits +47.3% year over year ($1.4B on the books).
  • Delinquency rate 3.73%.
  • Return on assets 25.35%.
  • Efficiency ratio 58.99% vs a 59.73% peer average.
  • Loan-to-deposit ratio 117.19% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 4 in NV
View $1B-$10B leaderboard (NV) →

Credit One Bank, National Association has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 1.8% in tier
  • + Return on Assets 23.96% above tier average
  • + Net Interest Margin 20.92% above tier average
  • + Efficiency Ratio 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 1.7% in tier
  • - Delinquency Rate 2.86% above tier average
  • - Non-Interest-Bearing Deposit Share 21.19% below tier average
  • - Nonperforming Asset Ratio 1.90% above tier average
Get updates when Credit One Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Total Assets ? $2.4B
+26.9% YoY +12.8% QoQ
-$354.1M $2.8B
-0.6% YoY
$3.1B
+2.3% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $1.7B
+38.8% YoY +9.9% QoQ
-$276.6M $2.0B
-0.3% YoY
$1.6B
+20.6% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $1.4B
+47.3% YoY +18.3% QoQ
-$879.6M $2.3B
-0.5% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 25.35%
-19.1% YoY -10.5% QoQ
+23.96% 1.39%
+17.0% YoY
3.59%
+7.1% YoY
1.30%
+12.1% YoY
Top 0.1% in tier
Net Interest Margin ? 24.80%
+4.0% YoY -4.1% QoQ
+20.92% 3.87%
+6.2% YoY
5.65%
+11.1% YoY
3.95%
+4.9% YoY
Top 0.1% in tier
Efficiency Ratio ? 58.99%
-0.2% YoY -1.3% QoQ
-0.74% 59.73%
-12.6% YoY
55.66%
-2.7% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 3.73%
-6.9% YoY -11.3% QoQ
+2.86% 0.87%
+11.7% YoY
1.02%
-35.3% YoY
0.98%
+16.3% YoY
Bottom 2.3% in tier
Loan-to-Deposit Ratio ? 117.19%
-5.8% YoY -7.1% QoQ
+32.16% 85.04%
-0.1% YoY
86.66%
+13.2% YoY
79.03%
+2.3% YoY
Bottom 2.7% in tier
Non-Interest-Bearing Deposit Share ? 0.09%
-0.1% YoY -10.8% QoQ
-21.19% 21.27%
-1.5% YoY
21.87%
-6.7% YoY
21.98%
-0.6% YoY
Bottom 0.6% in tier
Nonperforming Asset Ratio ? 2.58%
+1.8% YoY -13.6% QoQ
+1.90% 0.67%
+11.7% YoY
0.74%
+3.7% YoY
0.69%
+15.8% YoY
Bottom 3.8% in tier
Tier 1 Capital Ratio ? 28.17%
-17.4% YoY -4.5% QoQ
+13.33% 14.84%
-0.4% YoY
23.41%
+6.1% YoY
17.09%
+0.8% YoY
Top 2.7% in tier
Non-Interest Income / Assets ? 32.63%
-11.5% YoY +77.4% QoQ
+32.10% 0.53%
+2.5% YoY
2.78%
+2.3% YoY
0.66%
+5.2% YoY
Top 0.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Noninterest-Bearing 0.1%
0.0pp YoY
0.0pp QoQ
 -21.3pp 21.4% 25.5% 22.2% 0%
Brokered Deposits n/a n/a 9.5% 31.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
C&I n/a n/a 14.0% 22.5% 12.5% n/a
CRE n/a n/a 50.0% 68.4% 41.4% n/a
1-4 Family n/a n/a 26.4% 12.7% 31.3% n/a
Consumer 117.0%
+1.9pp YoY
+0.3pp QoQ
 +112.3pp 4.7% 31.5% 5.0% 100%

Capital

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 29.4% 19.7% n/a
Leverage Ratio 28.2%
-6.0pp YoY
-1.3pp QoQ
 +16.9pp 11.3% 16.3% 12.6% 99%
Total Capital Ratio n/a n/a 16.7% 30.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Full-Time Employees 1,216
-1 (-0.1%) YoY
0 QoQ
 +902 313 177 482 99%
Assets per Employee ($) $2.0M
+27.0% YoY
+12.8% QoQ
 -$8.5M $10.5M $17.0M $8.8M 0%
Branch Count 1
0 YoY
0 QoQ
 -19 20 2 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Past Due 90+ Days 3.7%
-0.3pp YoY
-0.5pp QoQ
 +3.6pp 0.2% 0.9% 0.4% 100%
Nonaccrual n/a n/a 0.8% 1.0% 1.0% n/a
Allowance Coverage 4.57x
+21.1% YoY
+15.0% QoQ
 -14.14x 18.71x 4.66x 20.23x 76%
Net Charge-off Rate (YTD) 11.9%
-1.1pp YoY
-0.2pp QoQ
 +11.6pp 0.3% 1.2% 0.2% 100%

Profitability

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
ROE 90.8%
-6.0pp YoY
-8.8pp QoQ
 +78.2pp 12.6% 17.9% 11.6% 100%
Cost of Funds (YTD) 2.7%
-0.1pp YoY
0.0pp QoQ
 +0.7pp 1.9% 2.0% 1.7% 89%
Net Income ($, YTD) $277.4M
-1.6% YoY
— QoQ
 +$258.2M $19.2M $65.7M $40.4M 100%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#5 of 222 • Top 1.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 32.63%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 25.35%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Concerns (1)

Liquidity Overhang

risk
#4 of 172 • Bottom 1.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 28.17%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 117.19%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

1
Non-Interest Income / Assets
revenue_mix
Value: 32.63%
Peer Median: 0.53%
#1 of 885 Top 0.1% in $1B-$10B
2
Return on Assets
profitability
Value: 25.35%
Peer Median: 1.39%
#2 of 885 Top 0.1% in $1B-$10B
2
Net Interest Margin
profitability
Value: 24.80%
Peer Median: 3.87%
#2 of 885 Top 0.1% in $1B-$10B
25
Tier 1 Capital Ratio
capital
Value: 28.17%
Peer Median: 14.84%
#25 of 885 Top 2.7% in $1B-$10B

Top Weaknesses (4 metrics)

881
Non-Interest-Bearing Deposit Share
funding
Value: 0.09%
Peer Median: 21.27%
#881 of 885 Bottom 0.6% in $1B-$10B
863
Delinquency Rate
credit_quality
Value: 3.73%
Peer Median: 0.87%
#863 of 882 Bottom 2.3% in $1B-$10B
862
Loan-to-Deposit Ratio
liquidity
Value: 117.19%
Peer Median: 85.04%
#862 of 885 Bottom 2.7% in $1B-$10B
852
Nonperforming Asset Ratio
credit_quality
Value: 2.58%
Peer Median: 0.67%
#852 of 885 Bottom 3.8% in $1B-$10B
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