Bank Comparison
Capital One, N.A. vs Bank of America, N.A.
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At Q2 2026, Bank of America, N.A. is the larger bank, with $2.65T in total assets to Capital One, N.A.'s $662.16B; Capital One, N.A. has the higher CET1 ratio (13.21% vs 12.10%) and the higher return on assets (1.92% vs 1.12%).
vs
12 · 5
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Capital One, N.A. | Bank of America, N.A. |
|---|---|---|
| CET1 Ratio | 13.21% | 12.10% |
| Tier 1 Capital Ratio | 13.21% | 12.10% |
| Total Capital Ratio | 14.88% | 13.11% |
| Tier 1 Leverage Ratio | 10.58% | 7.11% |
| Equity / Assets | 14.91% | 9.07% |
Profitability
| Metric | Capital One, N.A. | Bank of America, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.92% | 1.12% |
| Return on Equity (ROE) | 13.20% | 12.49% |
| Net Interest Margin (NIM) | 8.06% | 2.48% |
| Yield on Earning Assets | 10.57% | 4.03% |
| Cost of Funds | 2.88% | 1.75% |
Asset quality
| Metric | Capital One, N.A. | Bank of America, N.A. |
|---|---|---|
| Texas Ratio | 8.50% | 3.96% |
| Non-Performing Loan Ratio | 1.49% | 0.65% |
| Non-Performing Asset Ratio | 1.05% | 0.30% |
| Net Charge-Off Ratio | 3.23% | 0.47% |
| ACL / Loans | 5.02% | 1.08% |
Balance sheet
| Metric | Capital One, N.A. | Bank of America, N.A. |
|---|---|---|
| Total Assets | $662.16B | $2.65T |
| Total Deposits | $512.60B | $2.12T |
| Total Loans | $457.43B | $1.21T |
| Total Equity | $98.72B | $240.79B |
| Net Income (quarter) | $3.23B | $7.53B |
Liquidity & funding
| Metric | Capital One, N.A. | Bank of America, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 89.24% | 57.10% |
| Core Deposit Ratio | 93.26% | 87.43% |
| Uninsured Deposit Ratio | 20.82% | 42.40% |
Identity
| Metric | Capital One, N.A. | Bank of America, N.A. |
|---|---|---|
| Headquarters City | McLean | Charlotte |
| Headquarters State | VA | NC |
| Asset Tier | $250B or more in assets | $250B or more in assets |
| Regulator | OCC | OCC |
| Domestic Branches | 249 | 3,598 |
| Employees (FTE) | 90,255 | 133,777 |
| Established | May 22, 1933 | October 17, 1904 |
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About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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