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Capital One, National Association

$250B+ Specialty: Credit Card VA FDIC cert 4297

Mclean, VA

249 branches across NY · LA · MD · TX · VA · NJ · DC · DE · CT

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 18 banks in the $250B+ peer group nationwide — 1 of 1 in VA.
  • Deposits +3.0% year over year ($512.6B on the books).
  • Delinquency rate 1.57%.
  • Return on assets 1.67%.
  • Efficiency ratio 50.61% vs a 52.80% peer average.
  • Loan-to-deposit ratio 84.76% vs a 59.04% peer average.

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

18 banks in the $250B+ peer group nationally 1 in VA
View $250B+ leaderboard (VA) →

Capital One, National Association has 4 strengths but faces 2 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

  • + Profitability Leader: Top 0.1% in tier
  • + Revenue Diversifier: Top 20.0% in tier
  • + Net Interest Margin 5.53% above tier average
  • + Efficiency Ratio 2.19% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.79% above tier average
  • - Nonperforming Asset Ratio 0.63% above tier average
Get updates when Capital One, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $662.2B
+2.0% YoY -1.5% QoQ
-$274.1B $936.3B
-15.8% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $434.5B
+2.5% YoY +2.4% QoQ
+$25.0B $409.5B
-13.1% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $512.6B
+3.0% YoY -1.6% QoQ
-$200.6B $713.2B
-15.8% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 1.67%
+273.8% YoY +20.0% QoQ
+0.50% 1.17%
+26.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
Top 0.1% in tier
Net Interest Margin ? 8.47%
+11.4% YoY +1.4% QoQ
+5.53% 2.94%
-1.8% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
Top 0.1% in tier
Efficiency Ratio ? 50.61%
-7.6% YoY +1.1% QoQ
-2.19% 52.80%
-5.4% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 1.57%
-8.7% YoY -10.9% QoQ
+0.79% 0.78%
-21.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
Bottom 5.6% in tier
Loan-to-Deposit Ratio ? 84.76%
-0.5% YoY +4.0% QoQ
+25.72% 59.04%
+5.5% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
Bottom 11.1% in tier
Non-Interest-Bearing Deposit Share ? 5.65%
-1.5% YoY -0.4% QoQ
-10.65% 16.30%
-11.5% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 1.05%
-7.4% YoY -7.1% QoQ
+0.63% 0.42%
-12.7% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
Bottom 5.6% in tier
Tier 1 Capital Ratio ? 13.21%
-2.8% YoY -3.8% QoQ
-2.00% 15.20%
+5.2% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.86%
+30.0% YoY +112.0% QoQ
+0.22% 0.64%
-10.8% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
83%

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 5.7%
-0.1pp YoY
0.0pp QoQ
 -10.6pp 16.3% 26.2% 22.2% 22%
Brokered Deposits 3.3%
-1.3pp YoY
-0.3pp QoQ
 -3.7pp 7.0% 8.5% 8.5% 28%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 8.5%
+0.2pp YoY
0.0pp QoQ
 -11.0pp 19.6% 11.0% 12.5% 19%
CRE 5.5%
-0.3pp YoY
-0.2pp QoQ
 -6.7pp 12.2% 46.9% 41.4% 13%
1-4 Family 0.0%
-1.9pp YoY
0.0pp QoQ
 -20.6pp 20.6% 32.6% 31.3% 0%
Consumer 80.2%
+1.0pp YoY
-0.3pp QoQ
 +63.3pp 16.9% 8.0% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 13.2%
-0.4pp YoY
-0.5pp QoQ
 -2.0pp 15.2% 17.2% 19.7% 39%
Leverage Ratio 10.6%
-2.0pp YoY
-0.2pp QoQ
 +1.8pp 8.8% 12.2% 12.6% 83%
Total Capital Ratio 14.9%
-0.4pp YoY
-0.5pp QoQ
 -1.4pp 16.3% 18.3% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 90,255
+5905 (+7.0%) YoY
+1503 (+1.7%) QoQ
 +26,696 63,559 1,956 482 72%
Assets per Employee ($) $7.3M
-4.6% YoY
-3.1% QoQ
 -$53.7M $61.1M $9.9M $8.8M 0%
Branch Count 249
-16 (-6.0%) YoY
-13 (-5.0%) QoQ
 -1,159 1,407 28 18 33%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 1.2%
-0.1pp YoY
-0.2pp QoQ
 +0.8pp 0.3% 0.2% 0.4% 92%
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.6% 0.7% 1.0% 28%
Allowance Coverage 3.37x
+2.7% YoY
+6.6% QoQ
 +1.22x 2.14x 9.47x 20.23x 83%
Net Charge-off Rate (YTD) 3.3%
+0.1pp YoY
-0.1pp QoQ
 +2.8pp 0.5% 0.2% 0.2% 94%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 11.3%
+18.7pp YoY
+1.8pp QoQ
 -1.1pp 12.4% 12.0% 11.6% 28%
Cost of Funds (YTD) 2.7%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 2.2% 1.7% 1.7% 78%
Net Income ($, YTD) $5.6B
+312.9% YoY
— QoQ
 -$302.7M $5.9B $137.1M $40.4M 72%

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 (2)

Profitability Leader

growth
#1 of 5 • Top 0.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.67%
(Tier: 1.17%, National: 1.30%)
better than tier avg
5 of 5 Titans banks match · 923 nationally
→ Stable

Revenue Diversifier

growth
#2 of 5 • Top 20.0% 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: 0.86%
(Tier: 0.64%, National: 0.66%)
better than tier avg
Return on Assets: 1.67%
(Tier: 1.17%, National: 1.30%)
better than tier avg
5 of 5 Titans banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

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 18 peers in $250B+

Top Strengths (5 metrics)

1
Return on Assets
profitability
Value: 1.67%
Peer Median: 1.17%
#1 of 18 Top 0.1% in $250B+
1
Net Interest Margin
profitability
Value: 8.47%
Peer Median: 2.94%
#1 of 18 Top 0.1% in $250B+
4
Non-Interest Income / Assets
revenue_mix
Value: 0.86%
Peer Median: 0.64%
#4 of 18 Top 16.7% in $250B+
5
Total Loans
size
Value: $434.47B
Peer Median: $409.50B
#5 of 18 Top 22.2% in $250B+
5
Efficiency Ratio
profitability
Value: 50.61%
Peer Median: 52.80%
#5 of 18 Top 22.2% in $250B+

Top Weaknesses (3 metrics)

18
Nonperforming Asset Ratio
credit_quality
Value: 1.05%
Peer Median: 0.42%
#18 of 18 Bottom 5.6% in $250B+
18
Delinquency Rate
credit_quality
Value: 1.57%
Peer Median: 0.78%
#18 of 18 Bottom 5.6% in $250B+
17
Loan-to-Deposit Ratio
liquidity
Value: 84.76%
Peer Median: 59.04%
#17 of 18 Bottom 11.1% in $250B+
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