# CREDIT ONE BANK NA
LAS VEGAS, NV · FDIC certificate 25620 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.44B | |
| Deposits | $1.44B | |
| Loans and leases | $1.97B | |
| Total equity | $661.0M | |
| Loans / deposits | 117.19% (p97 of band) | 87.10% |
| Liquid assets / assets | 21.04% (p49 of band) | |
| Uninsured deposits / deposits | 7.81% (p3 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 28.17% (p99 of band) | 10.50% |
| Unrealized securities loss / equity | -2.10% (p80 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 25.35% (p100 of band) | 1.26% |
| Net interest margin | 24.80% (p100 of band) | 3.70% |
| Efficiency ratio | 58.99% (p50 of band) | |
| Noncurrent loans | 3.19% (p96 of band) | 0.51% |
| Net charge-offs (annualized) | 9.93% (p100 of band) | |
| Reserve coverage of noncurrent | 457.02% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 47.3% | |
| Employees | 1216 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | deposits shrinking |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | assets shrinking | deposits shrinking |
| 2013-03 | 1 |  | assets shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | assets shrinking |  |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 0 |  | NIM <2.5% |
| 2018-06 | 2 | loans exceed deposits, capital falling |  |
| 2018-09 | 3 | charge-offs p90 |  |
| 2018-12 | 3 | noncurrent p90 | capital falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | capital falling |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | capital falling |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | noncurrent p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | noncurrent p90 |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | capital falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | capital falling |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-20 [Credit One Bank To Pay $10.2 Million To Resolve Civil Enforcement Over Harassing Debt Collection Calls To California Consumers - Riverside County District Attorney's Office](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5nTmU2eXVOdXRMRVdkNEZaNFFIamhiaFdfU3h0eGp6bWVHdnlOLVduM1gwdjUxNi1QQ1VaSFFmSE5RUW5yUk9STnhncnQwNmVNMkFoOEZlOFFCSlUyM2cwam5vZjR5ekZs?oc=5) · Riverside County District Attorney's Office
- 2026-01-13 [Credit One class action claims bank made unsolicited calls - Top Class Actions](https://news.google.com/rss/articles/CBMivAFBVV95cUxPeFVaSi04eXE2c2xUeHVJUERFbTEzT0VXb2lHbUVOTGRxdTR3RW9HTXMzNUFJZ3RKcUNLN2VnUlVIcUN3MzQ3SDhTakdGb3JMZDFBZ1hLNWpLd3JlQU42Zm45cGQxZ25EdnRZSTdGekNyX3FucTEzanZlSXJ6bzIwTzg4cmhPRG9DMDBSQUdjb0RpZ01ENVhsTXBBSkc4UE1rN2lHVXlKRlEwOU1aeC1KMWNVTUpmYU94azJhQg?oc=5) · Top Class Actions
- 2022-02-23 [CREDIT ONE BANK REFLECTS ON A REMARKABLE YEAR OF SUPPORTING THE COMMUNITY - PR Newswire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNTVhFb2FNbElhUVRfa0NIX0dIdG9LY0p5THdwNmVwU3l6cnN0S20tSW1Wb21TejdMYVpNODVLTjJFLWFaaEsyblQwS1dONnpzUi1YTVp1U3JLWG5JRDVJTE9WY1BuQi1ZNkNBU1I2UmVzeFZ1NzJpRUFSOFZSdFdZQkllaGYtcVdsMGgzOVZIUnZHMVpTNXM3WXdWaURTUEpsZXJDLXdtcFdlUmZHbmliY0FVTXNUdGJuVzRaVmRrTVI1QlJwRzR3aQ?oc=5) · PR Newswire
- 2025-11-24 [Credit One Bank lawsuit claims bank placed harassing, deceptive phone calls - Top Class Actions](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQaU93b3JPLTRGMkdDNUxCTFlsdWwxVGhmbmd4Wkc2RGhwWmdMYjhDcTlkZElNZThJSjhaYzBYM3NjZGpITzR3YWZ1dGFrSmZIMFlTeWs4NXpEeWplb3h3dkZRZzNxMDJwUU5IR1VyWWhnTkdkYzdIMnV5UVdscFo2dlktcTU2Q1JpNTRVMzhlWWxnbTJlWkhfQWU1dV9ETmY3WHFBZV9aM0thcVM4eV9wWVA1dTdSU2tiQlFZYnA1a2RxLS1ORjFzUERyVzVYcHZxRmc?oc=5) · Top Class Actions
- 2020-04-01 [CREDIT ONE BANK & THE HOWARD HUGHES CORPORATION® ANNOUNCE NEW LAS VEGAS AVIATORS® MULTI-YEAR FOUNDING LEVEL PARTNERSHIP - MLB.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOa19NeENSbzBUbWxLM3hiclhmSk5OVVJDMmJ2WDNfOGFIQXpHeC0wSENkYlFWb1ZQQ2UwamJMaDFPMlVrZ2Jrd1ZfazhuNVIwcUh3TGdkdURhUVZXQzVmNUM3OHBaRFZvenBiRWVOLW5lS1FpWVFnbGlaN3RkdXdheFByZmpSUDdrd1ZOZ2cxUGc3UTI4bmFNWmRaVjUwNWFFUThpaWthT1RnZw?oc=5) · MLB.com
- 2016-12-15 [Credit One Bank Breaks Ground on New Las Vegas Headquarters - PR Newswire](https://news.google.com/rss/articles/CBMitgFBVV95cUxOVVVVUS1HSjBWMUt4SnBJMzhpYThJTnliSjM2UENPQksyc0pZbGdoVzRMRTdobDdOYVZxdDN0Uk1uTmYyeEczaFhTMDBKWDhmRUlhLXE3SEhYTUU5cG9RQWhIekRSSGctaW5QQTV3T0JkbUlXMnlPRW1ib0ljMFNDZDNTd2VDTzdDaTFQWGdjcXRPUFhEbXdYUW5jbV9wMDVuRy0tazJZYVRZbTBwSHJFNXFFMmZ1QQ?oc=5) · PR Newswire
- 2025-10-27 [Credit One Bank class action alleges harassing debt collection practices - Top Class Actions](https://news.google.com/rss/articles/CBMizwFBVV95cUxOUXM1Tnc3YzRWWi05dlg4LTQ2SC15Z1ZING9XNi1qWFdVc0VKLXhMZWJiTmQ4ZjZzREtWMlhJWXRtVm9yN2Q4T016WWlWaDA1Q1Y1d2Z4OWdfMzhqQkhYSnY1M1g0SGtxcldXOTZLQnExcTlQa25wRGJEVXktcWFPSXBpSi10bGYwcjFZZ1ZaYXVIMzRITkh5QjFNSllKdWtSVHJwOHRjZGxXcXlQY1FEQTQ2bzIySTVIZnNaSTRIbURBeVFsNkptN2FkSzlQX0U?oc=5) · Top Class Actions
- 2021-12-03 [Credit One Earned More Than $5M Through Express Payment Fees, Class Action Lawsuit Claims - Top Class Actions](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNeGcyaXpXTlEzbUtDaURnRGdUbjRBeVVJZ1I1MHRYODVyWUwzWEo5RVZtMWdldHFWRUl1VDBXajFNa003a09nY3lLQk9EU0RmcUUwRDA3VUFDcGhhMlIzbWZuUXdWdXFFR29VbUhnYUFNM0ZZSFlpaUdGd3JNS2xvSWZBcG9YbTJWUHBWb3lacWxSckxyVXJObS1ZelNYVGdidndOMUF5VElsQWhkbWFtdkF2OUpHTC1wNG1MZWF2elpLS1NncUJfY2cxOEpobEVnMGZKN3NJb1BlUTczUkxZRA?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25620 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "25620", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide