Capital One, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 3.38 percentage points in Q2 2026, from 89.07% to 92.45%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Capital One, N.A. is 22nd of 56 on loan-to-deposit ratio, 89.24% as of Q2 2026, above the middle of the field. The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. Capital One, N.A. sits 27.55 points higher, at 89.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $52.48B |
| Cash and noninterest-bearing balances to assets | 7.93% |
| Cash and securities | $148.00B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $694.0M |
| Other borrowed money | $17.55B |
| Subordinated notes and debentures | $2.26B |
| Other borrowed money to assets | 2.65% |
| Trading liabilities | $1.92B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.24% |
| Net loans and leases to deposits | 84.76% |
| Loans and leases to core deposits | 92.45% |
| Core deposits to total deposits | 93.26% |
| Brokered deposits to total deposits | 3.27% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 84.42% | 90.96% | $521.7M | $21.91B |
| Q4 2023 | 85.88% | 90.79% | $538.2M | $24.55B |
| Q1 2024 | 84.65% | 91.63% | $568.0M | $27.20B |
| Q2 2024 | 85.62% | 91.83% | $714.9M | $25.84B |
| Q3 2024 | 84.30% | 92.82% | $520.2M | $21.50B |
| Q4 2024 | 85.09% | 93.00% | $562.0M | $22.40B |
| Q1 2025 | 83.42% | 93.77% | $572.7M | $19.38B |
| Q2 2025 | 89.97% | 92.19% | $742.0M | $23.59B |
| Q3 2025 | 90.54% | 92.43% | $616.3M | $24.58B |
| Q4 2025 | 90.02% | 92.70% | $586.9M | $24.78B |
| Q1 2026 | 86.01% | 92.99% | $626.0M | $21.34B |
| Q2 2026 | 89.24% | 93.26% | $694.0M | $17.55B |
Capital One, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital One, N.A., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Capital One, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4297) · FFIEC NIC profile (RSSD 112837)