Bank Comparison
Capital One, N.A. vs First-Citizens Bank & Trust Company
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At Q2 2026, Capital One, N.A. is the larger bank, with $662.16B in total assets to First-Citizens Bank & Trust Company's $236.32B; Capital One, N.A. has the higher CET1 ratio (13.21% vs 12.41%) and the higher return on assets (1.92% vs 1.09%).
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12 · 5
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Capital One, N.A. | First-Citizens Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 13.21% | 12.41% |
| Tier 1 Capital Ratio | 13.21% | 12.41% |
| Total Capital Ratio | 14.88% | 13.34% |
| Tier 1 Leverage Ratio | 10.58% | 9.75% |
| Equity / Assets | 14.91% | 9.78% |
Profitability
| Metric | Capital One, N.A. | First-Citizens Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.92% | 1.09% |
| Return on Equity (ROE) | 13.20% | 11.01% |
| Net Interest Margin (NIM) | 8.06% | 3.14% |
| Yield on Earning Assets | 10.57% | 5.30% |
| Cost of Funds | 2.88% | 2.28% |
Asset quality
| Metric | Capital One, N.A. | First-Citizens Bank & Trust Company |
|---|---|---|
| Texas Ratio | 8.50% | 7.42% |
| Non-Performing Loan Ratio | 1.49% | 1.12% |
| Non-Performing Asset Ratio | 1.05% | 0.77% |
| Net Charge-Off Ratio | 3.23% | 0.29% |
| ACL / Loans | 5.02% | 0.98% |
Balance sheet
| Metric | Capital One, N.A. | First-Citizens Bank & Trust Company |
|---|---|---|
| Total Assets | $662.16B | $236.32B |
| Total Deposits | $512.60B | $173.95B |
| Total Loans | $457.43B | $151.12B |
| Total Equity | $98.72B | $23.11B |
| Net Income (quarter) | $3.23B | $641.0M |
Liquidity & funding
| Metric | Capital One, N.A. | First-Citizens Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 89.24% | 86.88% |
| Core Deposit Ratio | 93.26% | 91.75% |
| Uninsured Deposit Ratio | 20.82% | 37.40% |
Identity
| Metric | Capital One, N.A. | First-Citizens Bank & Trust Company |
|---|---|---|
| Headquarters City | McLean | Raleigh |
| Headquarters State | VA | NC |
| Asset Tier | $250B or more in assets | $100B to $250B in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 249 | 518 |
| Employees (FTE) | 90,255 | 18,010 |
| Established | May 22, 1933 | January 1, 1898 |
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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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