Mc Lean, VA · Cert 4297 · Capital One Financial Corp.
National charter · OCC · 245 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 45.7% share · #1 of 88 inst. · $312.9B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.09% | 1.26% | -0.96% | 0.19% | 0.55% | 1.39% | 1.67% | +263 bps | |
| Return on Equity | 9.69% | 9.53% | 10.72% | -7.37% | 1.43% | 3.93% | 9.51% | 11.35% | +1,872 bps | |
| Net Interest Margin | 6.47% | 6.45% | 6.57% | 6.36% | 6.27% | 6.55% | 7.31% | 7.32% | +96 bps | |
| Efficiency Ratio | 52.02% | 53.67% | 57.48% | 54.79% | 52.27% | 52.98% | 50.04% | 50.61% | -418 bps | |
| Non-Interest Burden | 2.64% | 2.75% | 3.10% | 2.90% | 2.75% | 2.96% | 3.12% | 3.15% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.22% | 2.43% | 2.44% | 35.95% | 34.78% | 35.15% | 36.98% | 2.04% | -3,391 bps | |
| Loan Growth (YoY) | 1.53% | 2.07% | 2.37% | 40.31% | 41.03% | 38.54% | 38.13% | 2.20% | -3,810 bps | |
| Deposit Growth (YoY) | 1.67% | 3.02% | 3.89% | 33.52% | 31.31% | 30.96% | 33.97% | 3.04% | -3,048 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.91% | 1.95% | 1.78% | 1.63% | 1.69% | 1.74% | 1.67% | 1.49% | -14 bps | |
| Net Charge-Offs / Loans | 3.27% | 3.28% | 3.38% | 2.59% | 2.74% | 2.88% | 3.44% | 3.27% | +68 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 10.69% | 10.82% | 12.61% | 10.94% | 10.90% | 10.80% | 10.58% | -203 bps | |
| Total Risk-Based Capital | 15.58% | 15.18% | 15.49% | 15.29% | 15.14% | 15.12% | 15.41% | 14.88% | -42 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.32% | 85.12% | 83.44% | 90.00% | 90.57% | 90.05% | 86.03% | 89.26% | -73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.25% | 0.41% | +41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |