FDIC Cert #25620 · Las Vegas, Nevada · Est. 1984

Credit One Bank, National Association - FDIC Bank Health Profile

A community-scale look at Credit One Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.0B
Total assets
A
Health grade · Excellent
27.69%
Return on assets
27.0%
Tier 1 capital

Data updated July 2026

The verdict

Credit One Bank, National Association earns a PlainBankData health grade of A (93/100), with well-capitalized at 26.98% Tier 1, profitable at 27.69% ROA, efficient (60% cost ratio).

#610
largest of 4,313 FDIC banks by assets
86th
percentile by asset size, nationally
26.98%
Tier 1 ratio - above the 10% well-capitalized line
100th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 25620 · NV A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #442/4307
  • PHOTO-FINISH First National Bank… · TX
  • TIER1-WELL 27.0% Tier 1
  • TEXAS-CLEAN 7.7% Texas
  • ROA-STRONG 27.69% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nevada: First National Bank of Dublin, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Credit One Bank

Lowest and highest poles plus nearest scored peers outside Nevada, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of South Texas · TX · n…93/100Bank of the West · TX · near93/100Credit One Bank, Nat… · NV ·…93/100First National Bank… · TX · …93/100Hana Bank USA, Natio… · NJ ·…93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Credit One Bank · July 2026

Call Report read for Credit One Bank in a high-failure state

Credit One Bank, National Association (FDIC Cert #25620) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #442 of 4,307. Tier 1 capital prints at 26.98%, clearing the 10% well-capitalized line. The Texas Ratio is 7.68%, inside the sub-50% band analysts treat as healthy. Return on assets is 27.69%. Balance-sheet scale is $2.0B, 610th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank of Dublin (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Credit One Bank

12 FAILURE resolutions in Nevada since 2000, heavy vs the state corpus

Credit One Bank, National Association sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about Credit One Bank, National Association's current Call Report.

  • 1st COMMERCE BANK NORTH LAS VEGAS, NV 2013 → PLAZA BANK
  • NEVADA COMMERCE BANK LAS VEGAS, NV 2011 → CITY NATIONAL BANK
  • SOUTHWESTUSA BANK LAS VEGAS, NV 2010 → PLAZA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nevada banks.

How Credit One Bank, National Association's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
Credit One Bank, National Association's composite health score
Tier 1 Capital Ratio (26.98%) 40/40
Return on Assets (ROA) (27.69%) 25/25
Texas Ratio (7.68%) 16/20
Efficiency Ratio (59.71%) 12/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.0B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$1.5B

Outstanding loan book

Net Income

$514M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 25.58% 26.98% 28.38%
Basel III capital ratios - Credit One Bank, National Association

Where Credit One Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Credit One Bank, National Association's score of 93/100 falls in the highlighted band.

Credit One Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 10% higher than 90% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Credit One Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Credit One Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Credit One Bank, National Association's $2.0B falls in the highlighted band.

Capital & credit buffers at Credit One Bank

Tier 1 capital ratio
Well-capitalized 10%

26.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
26.98%
Texas Ratio
7.68%
Equity Capital
$554M

What these ratios mean →

Earnings posture at Credit One Bank

Return on Assets (ROA)
100th percentile nationally
27.69%
Return on Equity (ROE)
87.64%
Efficiency Ratio
59.71%

What these mean →

Income & expense at Credit One Bank

$439M
Interest Income
$1.5B
Non-Interest Income
$1.1B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Credit One Bank, National Association reports a Texas Ratio of 7.68% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Credit One Bank, National Association on FDIC BankFind →

Top banks in Nevada by total assets

Largest banks headquartered in Nevada
  1. 1
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

  2. 2
    Beal Bank USA $14.5B

    Las Vegas, NV · Grade A

  3. 3
    Wells Fargo National Bank West $9.0B

    Las Vegas, NV · Grade A

  4. 4
    Credit One Bank $2.0B

    Las Vegas, NV · Grade A

  5. 5
    Meadows Bank $1.4B

    Las Vegas, NV · Grade A

Top 5 banks in Nevada ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.0B here), outside Nevada so the neighborhood is not state containment.

Citizens National Bank $2.0B · TN Mabrey Bank $2.0B · OK Bank 7 $2.0B · OK Regent Bank $2.0B · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Credit One Bank, National Association (FDIC Cert #25620) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Credit One Bank, National Association Call Report profile · FDIC Failed Bank List · Nevada FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nevada

All Nevada banks →
BankAssetsGradeROA
Toyota Financial Savings BankHenderson $15.4B B 0.30%
Beal Bank USALas Vegas $14.5B A 0.63%
Wells Fargo National Bank WestLas Vegas $9.0B A 0.87%
Meadows BankLas Vegas $1.4B A 1.72%
GBankLas Vegas $1.4B A 2.00%
Farm Bureau Bank FSBReno $1.1B C 0.05%
Eaglemark Savings BankReno $744M A 4.36%
Lexicon BankLas Vegas $433M A 1.12%