Credit One Bank NA
Las Vegas, Nevada · FDIC Cert #25620
This is the FDIC profile for Credit One Bank NA, an FDIC-insured bank (Certificate #25620) with $1.6B in total assets and $760M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Las Vegas, Nevada, the bank maintains a Tier 1 capital ratio of 32.75% (Well-Capitalized) and a nonperforming loan ratio of 3.54%. BankHealthData assigns a composite Health Grade of B (66/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Credit One Bank NA (FDIC cert 25620) is a mid-sized bank with $1.6B in total assets and $760M in deposits, based in Las Vegas, Nevada. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 32.75% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.54% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 17.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 29.08% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Credit One Bank NA carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Credit One Bank NA
- Total Assets
- $1.6B
- Total Deposits
- $760M
- Tier 1 Capital Ratio
- 32.75%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.54%
- Liquidity Ratio
- 17.20%
- Return on Assets
- 29.08%
- Headquarters
- Las Vegas, Nevada
- FDIC Certificate
- #25620
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Credit One Bank NA files quarterly Call Reports with the FDIC under Certificate #25620. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Credit One Bank NA holds a Tier 1 capital ratio of 32.75%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Credit One Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Credit One Bank NA shows strong financial health indicators. With $1.6B in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Credit One Bank NA Compares
Credit One Bank NA’s Health Score of 66 is 16 points below the Nevada state average of 82 across 16 FDIC-insured banks. Its 32.75% Tier 1 capital ratio is 18.7 points above the US banking industry average near 14%. The 3.54% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 29.08% is in line with or above the national ROA benchmark of ~1.1%. Among 748 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort. Site-wide, Credit One Bank NA is 14 points below the portfolio average of 80.
Frequently Asked Questions
Credit One Bank NA has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 32.75%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Credit One Bank NA's Tier 1 capital ratio of 32.75% and nonperforming loan ratio of 3.54% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Credit One Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #25620). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Credit One Bank NA holds $1.6B in total assets and $760M in total deposits. It is headquartered in Las Vegas, Nevada (FDIC Certificate #25620).
Credit One Bank NA's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #25620 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Credit One Bank NA has a Tier 1 capital ratio of 32.75%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.54%, and the return on assets is 29.08%.
Yes. Credit One Bank NA is FDIC-insured (Certificate #25620). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Credit One Bank NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.