Capital One, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Capital One, N.A. of McLean, VA against its peer group of 18 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.92% | 1.31% | +0.61% | 100th top |
| ROAE | 13.20% | 14.93% | -1.73% | 47th below |
| Net Interest Margin | 8.06% | 2.65% | +5.41% | 100th top |
| Efficiency Ratio | 51.10% | 53.13% | -2.03% | 76th top |
| PPNR / Avg Assets | 4.19% | 1.79% | +2.40% | 100th top |
| Yield on Earning Assets | 10.57% | 4.65% | +5.92% | 100th top |
| Cost of Funds | 2.88% | 2.10% | +0.78% | 18th bottom |
| Net Interest Spread | 7.52% | 2.03% | +5.49% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.50% | 0.86% | +0.64% | 0th bottom |
| NPA / Total Assets | 1.05% | 0.40% | +0.65% | 0th bottom |
| NCO / Avg Loans | 3.23% | 0.50% | +2.73% | 0th bottom |
| ACL / Total Loans | 5.02% | 1.41% | +3.61% | 100th top |
| ACL / NPLs (Coverage) | 334.10% | 176.92% | +157.18% | 94th top |
| Texas Ratio | 14.75% | 5.99% | +8.76% | 0th bottom |
| Provision / NCO | 94.23% | 109.25% | -15.02% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.21% | 15.77% | -2.56% | 29th below |
| Tier 1 Ratio | 13.21% | 15.80% | -2.59% | 29th below |
| Total Capital Ratio | 14.88% | 16.54% | -1.66% | 29th below |
| Leverage Ratio | 10.58% | 8.00% | +2.58% | 88th top |
| Equity / Assets | 14.91% | 9.05% | +5.86% | 100th top |
| TCE / Tangible Assets | 9.39% | 7.65% | +1.74% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.24% | 57.13% | +32.11% | 0th bottom |
| Core Deposit Ratio | 93.26% | 77.68% | +15.58% | 76th top |
| Uninsured Deposit Ratio | 20.82% | 47.10% | -26.28% | 88th top |
| Wholesale Funding Ratio | 3.10% | 8.94% | -5.84% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.04% | 9.56% | -7.52% | 24th bottom |
| Loan Growth (Y/Y) | 2.20% | 11.64% | -9.44% | 12th bottom |
| Deposit Growth (Y/Y) | 3.04% | 8.50% | -5.46% | 35th below |
See Capital One, N.A.'s peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Capital One, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Capital One, N.A. profile, how to read a UBPR, or how this data updates.