Capital One, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Capital One, N.A. is an FDIC-insured commercial bank headquartered in McLean, VA, supervised by the OCC, with $662.16B in total assets at Q2 2026, up 2.0% from Q2 2025, the largest of 56 banks headquartered in Virginia. It was established in 1933 and holds FDIC certificate 4297. Its CET1 capital ratio was 13.21% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4297
- Headquarters
- McLean, VA
- Established
- 1933
- Total assets, Q2 2026
- $662.16B
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 13.21%
- Domestic offices
- 249 · Capital One, N.A. branches FDIC institution directory, current count
- Routing number
- 056073502
- Safety and soundness
- Is Capital One, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 031 · Capital One, N.A. call report
- Holding company
- CAPITAL ONE FINANCIAL CORPORATION
- Asset rank in state
- 1st of 56 in Virginia
Capital One, N.A. is the 7th-largest bank in the United States, with $662.2 billion in assets at June 30, 2026, up 2.0% from a year earlier. It is headquartered in Mc Lean, Virginia, and operates 249 domestic branches. It earns about $1.92 a year on every $100 of assets, higher than about 9 in 10 of the 18 US banks with $250 billion or more in assets (median $1.23). It also funds 10.58% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 9.14%). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.49% of loans, down from 1.63% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.5% of the capital and reserves that would absorb them, about double the median of 3.8% for banks its size.
As of June 30, 2026, Capital One, N.A. reported a CET1 capital ratio of 13.21%, a return on assets of 1.92%, a nonperforming-loan ratio of 1.49% and a Texas ratio of 8.50%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, Capital One, N.A. is the largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.5% to $662.16B, loans rose 2.1% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by credit card loans, at 54.8% of total loans, followed by auto loans at 19.5%. By the capital ratios in its Q2 2026 call report, Capital One, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1680 Capital One Dr, McLean, VA 22102
- County
- Fairfax
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 031
- Established
- May 22, 1933
- Former names
- Hibernia National Bank (1987-2006)
- Domestic offices
- 249 FDIC institution directory, current count
- Employees (FTE)
- 90,255
- Domestic deposits
- $512.45B
- Allowance for credit losses
- $22.97B
- Net charge-offs (YTD)
- $7.49B
- Average total assets
- $675.26B
- Average total loans
- $450.86B
- Average interest-bearing deposits
- $488.79B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4297
- Fed RSSD
- 112837
- SEC CIK
- 927628 → filed by CAPITAL ONE FINANCIAL CORPORATION
- Website
- www.capitalone.com →
- Parent Holding Company
- CAPITAL ONE FINANCIAL CORPORATION (RSSD 2277860) · COF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Richard D Fairbank | CEO | Chairman and CEO |
| Mouadeb Mark Daniel | PRES | President, Card |
| Andrew M Young | CFO | Chief Financial Officer |
| Matthew W Cooper | GC | General Counsel & Corp Secy |
| Michael Zamsky | CCO | Chief Credit & Fin'l Risk Off. |
| Robert M. Alexander | CIO | Chief Information Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Capital One, N.A.'s total assets ranged from $468.78B (Q3 2023) to $672.01B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$662.16B total assets against $648.91B; $563.44B total liabilities against $551.77B.
$434.47B net loans and leases against $423.69B; $512.60B total deposits against $497.46B.
$95.53B securities against $90.64B; $52.48B cash and balances due against $57.53B.
$16.36B total interest income against $13.81B; $3.89B total interest expense against $3.70B.
$12.47B net interest income against $10.11B.
$2.96B total noninterest income against $2.28B; $8.37B total noninterest expense against $6.77B.
$2.99B provision for credit losses against $11.43B.
$3.23B net income against -$4.15B.
1.92% return on assets against -2.89%; 8.06% net interest margin against 7.61%.
13.21% CET1 capital ratio against 13.59%; 10.58% tier 1 leverage ratio against 12.61%.
Inside the full Capital One, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCapital One, N.A. rankings
Its closest position to the top of a national ranking is 7 of 4,196, for total assets; its furthest is 799 of 980, for uninsured deposits.
Banks merged into Capital One, N.A.
- Discover Bank, effective May 18, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.89% (Q2 2025) to 2.10% (Q3 2025) and its net interest margin ran from 7.03% (Q1 2025) to 8.33% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.21% | 1.92% | 1.49% | 8.50% | 8.06% |
| Q1 2026 | 13.73% | 1.38% | 1.67% | 9.03% | 7.92% |
| Q4 2025 | 13.44% | 1.43% | 1.74% | 9.54% | 8.26% |
| Q3 2025 | 13.46% | 2.10% | 1.69% | 9.39% | 8.33% |
| Q2 2025 | 13.59% | -2.89% | 1.63% | 8.95% | 7.61% |
| Q1 2025 | 13.94% | 1.24% | 1.78% | 9.68% | 7.03% |
| Q4 2024 | 13.63% | 1.02% | 1.95% | 11.27% | 7.14% |
| Q3 2024 | 14.02% | 1.57% | 1.91% | 10.15% | 7.21% |
Swipe the table sideways to see every column.
Branch Network
View all 245 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Www.Capitalone360.Com Branch | Wilmington , DE | 19801 | $312.88B |
| Discover Bank Branch | Greenwood , DE | 19950 | $74.45B |
| Capital One, N.A. (main office) | Mclean , VA | 22102 | $50.60B |
| Columbus Circle Branch | New York , NY | 10023 | $7.97B |
| French Quarter Branch | New Orleans , LA | 70130 | $6.41B |
| 19 Jericho Turnpike Branch | Huntington Station , NY | 11746 | $3.83B |
| Blalock Branch | Houston , TX | 77055 | $2.84B |
| Cordell Avenue Branch | Bethesda , MD | 20814 | $2.72B |
| Edison Branch | Edison , NJ | 08817 | $2.45B |
| 59th & Lexington Branch | New York , NY | 10022 | $2.06B |
| College Drive Branch | Baton Rouge , LA | 70808 | $1.66B |
| Journal Square Branch | Jersey City , NJ | 07306 | $1.12B |
| K Street Branch | Washington , DC | 20006 | $887.0M |
| Herald Square Branch | New York , NY | 10001 | $763.4M |
| AirlineShe Branch | Bossier City , LA | 71111 | $755.7M |
| Dundalk Branch | Dundalk , MD | 21222 | $730.4M |
| East Farmingdale Branch | Farmingdale , NY | 11735 | $553.7M |
| Gateway Branch | Beaumont , TX | 77701 | $544.4M |
| Hampshire-Langley Branch | Takoma Park , MD | 20912 | $534.8M |
| North Cedarhurst Branch | Cedarhurst , NY | 11516 | $470.2M |
| South Broadway Branch | Tyler , TX | 75703 | $450.7M |
| Cinco Ranch Branch | Katy , TX | 77494 | $438.1M |
| Smith Haven Plaza Branch | Lake Grove , NY | 11755 | $429.1M |
| Commerce Street Branch | Springfield , VA | 22150 | $420.2M |
| First Colony Branch | Sugar Land , TX | 77478 | $407.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 18, 2025 | Structure Change | Acquired Discover Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 18, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 3, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2022 | Structure Change | Acquired Capital One Bank (USA), N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2012 | Structure Change | Acquired ING Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2011 | Structure Change | Acquired Capital One National Community Development Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2011 | M&A | Acquired Capital One Auto Finance, Inc. merger for the acquired bank | SEC |
| April 1, 2011 | Structure Change | Acquired Capital One Auto Finance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 30, 2009 | Structure Change | Acquired Chevy Chase Bank, Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 2008 | Structure Change | Acquired Superior Savings of New England, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2007 | Structure Change | Acquired North Fork Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2007 | Structure Change | Acquired Capital One, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 18, 2005 | Delisting | delisting | SEC |
| November 16, 2005 | Delisting | deregistration | SEC |
| May 13, 2004 | Structure Change | Acquired Coastal Banc, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 13, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 1999 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| March 8, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 1999 | Structure Change | Acquired First Service Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired Hibernia National Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1998 | Structure Change | Acquired Peoples Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1998 | Structure Change | Acquired ArgentBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired First National Bank in Mansfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1996 | Structure Change | Acquired St. Bernard Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 26, 1996 | Ipo | ipo_priced | SEC |
| August 26, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 26, 1996 | Structure Change | Acquired The Calcasieu-Marine National Bank of Lake Charles Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 15, 1996 | Structure Change | Acquired Bunkie Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 15, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1996 | Structure Change | Acquired The First National Bank of Lake Providence Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1995 | Structure Change | Acquired Bank of St. John Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1995 | Structure Change | Acquired State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 47 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 10 against the institution (OCC); 17 against individuals associated with it
- August 5, 2020, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Capital One, National Association
- August 5, 2020, OCC: Civil Money Penalty (CMP): Capital One, National Association
- October 23, 2018, OCC: Civil Money Penalty (CMP): Capital One, National Association
- July 10, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Capital One, National Association
- November 6, 2014, OCC: Civil Money Penalty (CMP): Capital One, National Association
- Period: Most recent institution action August 5, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 17.1% of deposits in VA, rank 1 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 485 applications, 414 loans originated, $8.89B originated, across 38 states
- Period: Calendar year 2022. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 48 loans, $39.1M approved, $814K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 34,772 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Capital One, N.A.
What are Capital One, N.A.'s total assets?
As of the Q2 2026 filing, Capital One, N.A. reported total assets of $662.16 billion in its FFIEC call report.
Where is Capital One, N.A. headquartered?
It is headquartered in McLean, VA, United States.
When was Capital One, N.A. founded?
It was established in 1933, per the FDIC institution directory.
Is Capital One, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capital One, N.A.?
Capital One, N.A.'s primary federal regulator is the OCC.
What is Capital One, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Capital One, N.A. operate?
It operates 249 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capital One, N.A.'s Texas Ratio?
Its Texas Ratio is 8.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Capital One, N.A. previously called?
The charter now named Capital One, N.A. has also operated as Hibernia National Bank (1987-2006), per FDIC structure-change records.
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