Capital One, National Association
Mc Lean, VA · Cert 4297 · Peer group: banks over $10B in assets (n=142-144) · Capital One Financial Corp.
National charter · OCC · 245 branches
Q2 2026
$662.2BAssets
$457.4BLoans
$512.5BDeposits
$98.7BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 95% of banks over $10B in assets (rank 7 of 144).
- Widest gap: net charge-offs / loans trails 96% of banks over $10B in assets (rank 138 of 142).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.68%
Rank 27 of 144
Net Interest Margin
7.32%
Rank 7 of 144
Efficiency Ratio
53.66%
Rank 58 of 144
Equity / Assets
14.91%
Rank 14 of 144
Non-interest income vs. expense
Unfavorable gap of $21.3B · efficiency ratio beats 60% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 1.00% | 1.26% | 1.54% | Beats 81% | 27 / 144 | | |
| Return on Equity | 11.25% | 8.98% | 11.34% | 14.40% | Beats 48% | 75 / 144 | | |
| Net Interest Margin | 7.32% | 2.82% | 3.31% | 3.68% | Beats 95% | 7 / 144 | | |
| Efficiency Ratio | 53.66% | 49.42% | 56.02% | 62.41% | Beats 60% | 58 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.49% | 0.48% | 0.73% | 1.07% | Beats 13% | 124 / 142 | | |
| Net Charge-Offs / Loans | 2.35% | 0.05% | 0.11% | 0.22% | Beats 4% | 138 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 13.21% | 12.07% | 12.98% | 14.92% | Beats 56% | 64 / 144 | | |
| Total Risk-Based Capital Ratio | 14.88% | 13.39% | 14.14% | 16.25% | Beats 60% | 58 / 144 | | |
| Equity / Assets | 14.91% | 9.69% | 11.39% | 12.96% | Beats 90% | 14 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.26% | 75.72% | 84.92% | 91.56% | 66th pctl | 48 / 143 | | |
| Loans / Assets | 69.08% | 59.83% | 69.07% | 74.80% | 51st pctl | 71 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |