BlastPoint's Banking Scorecard

Capital One, National Association

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

Mclean, VA

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

16 banks in the $250B+ peer group nationally 1 in VA

Capital One, National Association has 3 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
+ Net Interest Margin 5.30% above tier average
+ Efficiency Ratio 5.85% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.84% above tier average
- Nonperforming Asset Ratio 0.64% above tier average

Get updates when Capital One, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$672.0B +37.0% YoY +2.1% QoQ	-$335.1B	$1,007.1B -0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$424.3B +37.6% YoY -1.5% QoQ	-$11.9B	$436.2B +3.5% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$520.8B +34.0% YoY +3.2% QoQ	-$246.2B	$767.0B -1.7% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	1.39% +10.4% YoY +155.6% QoQ	+0.25%	1.15% +9.3% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	Top 12.5% in tier
Net Interest Margin ?	8.35% +12.0% YoY +0.1% QoQ	+5.30%	3.05% +6.7% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	Top 0.1% in tier
Efficiency Ratio ?	50.04% -12.9% YoY -5.5% QoQ	-5.85%	55.89% +3.9% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	Top 12.5% in tier
Delinquency Rate ?	1.76% -6.1% YoY -3.8% QoQ	+0.84%	0.92% -4.7% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	Bottom 6.2% in tier
Loan-to-Deposit Ratio ?	81.47% +2.7% YoY -4.6% QoQ	+22.83%	58.65% +11.5% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	Bottom 12.5% in tier
Non-Interest-Bearing Deposit Share ?	5.68% -18.2% YoY +1.3% QoQ	-12.93%	18.60% +9.6% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	1.13% -5.4% YoY -6.8% QoQ	+0.64%	0.48% +3.7% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	Bottom 6.2% in tier
Tier 1 Capital Ratio ?	13.73% -1.5% YoY +2.1% QoQ	-0.27%	14.00% -15.5% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.40% -0.7% YoY -73.0% QoQ	+0.06%	0.35% -0.9% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	69%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Profitability Leader

growth

#1 of 4 • Top 0.1% in tier

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

Why this signature

Return on Assets: 1.39%

(Tier: 1.15%, National: 1.23%)

better than tier avg

4 of 4 Titans banks match · 926 nationally

→ Stable +3 banks QoQ

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).

Compare against:

Comparing against 16 peers in $250B+

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 8.35%

Peer Median: 3.05%

#1 of 16 Top 0.1% in $250B+

Return on Assets

profitability

Value: 1.39%

Peer Median: 1.15%

#3 of 16 Top 12.5% in $250B+

Efficiency Ratio

profitability

Value: 50.04%

Peer Median: 55.89%

#3 of 16 Top 12.5% in $250B+

Total Loans

size

Value: $424.31B

Peer Median: $436.18B

#5 of 16 Top 25.0% in $250B+

Top Weaknesses (4 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 1.13%

Peer Median: 0.48%

#16 of 16 Bottom 6.2% in $250B+

Delinquency Rate

credit_quality

Value: 1.76%

Peer Median: 0.92%

#16 of 16 Bottom 6.2% in $250B+

Loan-to-Deposit Ratio

liquidity

Value: 81.47%

Peer Median: 58.65%

#15 of 16 Bottom 12.5% in $250B+

Non-Interest-Bearing Deposit Share

funding

Value: 5.68%

Peer Median: 18.60%

#14 of 16 Bottom 18.8% in $250B+