Capital One, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 41.9% in Q2 2026, from $186.0M to $264.0M. It was the largest change from Q1 2026 among the key lines here. Capital One, N.A. ranks 22nd of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 89.24% (Q2 2026). Capital One, N.A. reported 89.24% on loan-to-deposit ratio for Q2 2026, 27.55 points above the 61.69% median for banks in the >= $250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $457.43B |
| Net loans and leases | $434.47B |
| Loans held for sale | $264.0M |
| Loans to total assets | 69.08% |
| Loan-to-deposit ratio | 89.24% |
| Net loans to equity capital | 4.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.33% |
| Multifamily (5+ residential) | 1.52% |
| Commercial and industrial | 8.12% |
| Consumer | 76.18% |
| Credit cards | 53.07% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 52.87% |
| Construction concentration (Tier 1 capital + allowance) | 2.16% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 13.24% |
| Interest income on loans | $14.91B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $315.52B | $373.75B | 5.23% | 14.74% | 66.49% |
| Q4 2023 | $321.33B | $374.16B | 5.13% | 14.26% | 67.37% |
| Q1 2024 | $316.78B | $374.21B | 5.14% | 14.79% | 66.74% |
| Q2 2024 | $318.99B | $372.58B | 5.05% | 14.51% | 67.40% |
| Q3 2024 | $320.34B | $380.01B | 4.91% | 14.16% | 68.28% |
| Q4 2024 | $327.98B | $385.44B | 4.70% | 10.45% | 68.97% |
| Q1 2025 | $324.28B | $388.75B | 4.74% | 10.86% | 68.18% |
| Q2 2025 | $447.57B | $497.46B | 3.37% | 7.87% | 74.99% |
| Q3 2025 | $451.78B | $498.96B | 3.18% | 8.01% | 75.00% |
| Q4 2025 | $454.38B | $504.75B | 3.30% | 7.70% | 76.83% |
| Q1 2026 | $447.94B | $520.79B | 3.38% | 8.07% | 76.22% |
| Q2 2026 | $457.43B | $512.60B | 3.33% | 8.12% | 76.18% |
Capital One, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital One, N.A., freeSource: Call Report Schedule RC-C, 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)