Capital One, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 6.10 percentage points in Q2 2026, from 340.20% to 334.10%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Capital One, N.A. is 15th of 56 on return on assets, 1.92% as of Q2 2026, above the middle of the field. Capital One, N.A.'s return on assets of 1.92% is well above the 1.23% median for banks in the >= $250B asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.21% |
| Tier 1 risk-based capital ratio | 13.21% |
| Total risk-based capital ratio | 14.88% |
| Tier 1 leverage ratio | 10.58% |
| Equity capital to assets | 14.91% |
| Tangible equity to tangible assets | 9.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.50% |
| Non-performing assets ratio | 1.05% |
| Net charge-off ratio | 3.23% |
| Texas ratio | 14.75% |
| Allowance for credit losses to loans | 5.02% |
| Reserve coverage of non-performing loans | 334.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 13.20% |
| Net interest margin | 8.06% |
| Efficiency ratio | 51.10% |
| Yield on earning assets | 10.57% |
| Cost of funds | 2.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.24% |
| Core deposits to total deposits | 93.26% |
| Brokered deposits to total deposits | 3.27% |
| Deposits to assets | 77.41% |
| Securities to assets | 14.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.17% | 13.17% | 14.45% | 10.30% | 1.60% |
| Q4 2023 | 13.05% | 13.05% | 14.33% | 10.30% | 0.68% |
| Q1 2024 | 13.37% | 13.37% | 14.65% | 10.47% | 1.16% |
| Q2 2024 | 13.53% | 13.53% | 14.82% | 10.55% | 0.57% |
| Q3 2024 | 14.02% | 14.02% | 15.58% | 10.91% | 1.57% |
| Q4 2024 | 13.63% | 13.63% | 15.18% | 10.69% | 1.02% |
| Q1 2025 | 13.94% | 13.94% | 15.49% | 10.82% | 1.24% |
| Q2 2025 | 13.59% | 13.59% | 15.29% | 12.61% | -2.89% |
| Q3 2025 | 13.46% | 13.46% | 15.14% | 10.94% | 2.10% |
| Q4 2025 | 13.44% | 13.44% | 15.12% | 10.90% | 1.43% |
| Q1 2026 | 13.73% | 13.73% | 15.41% | 10.80% | 1.38% |
| Q2 2026 | 13.21% | 13.21% | 14.88% | 10.58% | 1.92% |
Capital One, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital One, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)