Capital One, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital One, N.A. is an FDIC-insured commercial bank, in the Washington, DC metro market. The Q2 2026 balance sheet stands at $662.2B in assets, including $457.4B in loans. Profitability is strong, 1.92% ROA, paired with 13.20% ROE and a 8.06% net interest margin. Regulatory capital is solid, 13.21% CET1 and 14.88% total risk-based capital ratio. Credit conditions bear watching: 1.50% NPL ratio with a 14.75% Texas Ratio (elevated but below the 100% concern level). A 252-branch network serves customers across multiple states.
As of June 30, 2026, Capital One, N.A. reported a CET1 capital ratio of 13.21%, a return on assets of 1.92%, a nonperforming-loan ratio of 1.50%, a Texas ratio of 14.75%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1680 Capital One Dr, McLean, VA 22102
- County
- Fairfax
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 031
- Established
- May 22, 1933
- Former names
- Hibernia National Bank (1987-2006)
- Offices
- 252 domestic
- Employees (FTE)
- 90,255
- Domestic deposits
- $512.45B
- Allowance for credit losses
- $22.97B
- Net charge-offs (YTD)
- $7.49B
- Average total assets
- $675.26B
- Average total loans
- $450.86B
- Average interest-bearing deposits
- $488.79B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4297
- Fed RSSD
- 112837
- SEC CIK
- 927628 → filed by CAPITAL ONE FINANCIAL CORPORATION
- Website
- www.capitalone.com →
- Parent Holding Company
- CAPITAL ONE FINANCIAL CORPORATION (RSSD 2277860) · COF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Fairbank Richard D | CEO | Chairman and CEO |
| Young Andrew M | CFO | Chief Financial Officer |
| Mouadeb Mark Daniel | PRES | President, Card |
| Cooper Matthew W | GC | General Counsel & Corp Secy |
| Zamsky Michael | CCO | Chief Credit & Fin'l Risk Off. |
| Alexander Robert M. | CIO | Chief Information Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Capital One, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Capital One, N.A., freeCapital One, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.21% | 1.92% | 1.50% | 14.75% | 8.06% |
| Q1 2026 | 13.73% | 1.38% | 1.55% | 15.21% | 7.92% |
| Q4 2025 | 13.44% | 1.43% | 1.53% | 15.73% | 8.26% |
| Q3 2025 | 13.46% | 2.10% | 1.60% | 15.74% | 8.33% |
| Q2 2025 | 13.59% | -2.89% | 1.67% | 15.76% | 7.61% |
| Q1 2025 | 13.94% | 1.24% | 1.19% | 13.05% | 7.03% |
| Q4 2024 | 13.63% | 1.02% | 1.14% | 14.29% | 7.14% |
| Q3 2024 | 14.02% | 1.57% | 1.24% | 13.29% | 7.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 245 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Www.Capitalone360.Com Branch | Wilmington , DE | 19801 | $312.88B |
| Discover Bank Branch | Greenwood , DE | 19950 | $74.45B |
| Capital One, N.A. (main office) | Mclean , VA | 22102 | $50.60B |
| Columbus Circle Branch | New York , NY | 10023 | $7.97B |
| French Quarter Branch | New Orleans , LA | 70130 | $6.41B |
| 19 Jericho Turnpike Branch | Huntington Station , NY | 11746 | $3.83B |
| Blalock Branch | Houston , TX | 77055 | $2.84B |
| Cordell Avenue Branch | Bethesda , MD | 20814 | $2.72B |
| Edison Branch | Edison , NJ | 08817 | $2.45B |
| 59th & Lexington Branch | New York , NY | 10022 | $2.06B |
| College Drive Branch | Baton Rouge , LA | 70808 | $1.66B |
| Journal Square Branch | Jersey City , NJ | 07306 | $1.12B |
| K Street Branch | Washington , DC | 20006 | $887.0M |
| Herald Square Branch | New York , NY | 10001 | $763.4M |
| AirlineShe Branch | Bossier City , LA | 71111 | $755.7M |
| Dundalk Branch | Dundalk , MD | 21222 | $730.4M |
| East Farmingdale Branch | Farmingdale , NY | 11735 | $553.7M |
| Gateway Branch | Beaumont , TX | 77701 | $544.4M |
| Hampshire-Langley Branch | Takoma Park , MD | 20912 | $534.8M |
| North Cedarhurst Branch | Cedarhurst , NY | 11516 | $470.2M |
| South Broadway Branch | Tyler , TX | 75703 | $450.7M |
| Cinco Ranch Branch | Katy , TX | 77494 | $438.1M |
| Smith Haven Plaza Branch | Lake Grove , NY | 11755 | $429.1M |
| Commerce Street Branch | Springfield , VA | 22150 | $420.2M |
| First Colony Branch | Sugar Land , TX | 77478 | $407.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 18, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2025 | Structure Change | Acquired Discover Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 3, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2022 | Structure Change | Acquired Capital One Bank (USA), N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2012 | Structure Change | Acquired ING Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2011 | Structure Change | Acquired Capital One National Community Development Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2011 | M&A | merger | SEC |
| April 1, 2011 | Structure Change | Acquired Capital One Auto Finance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 30, 2009 | Structure Change | Acquired Chevy Chase Bank, Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 2008 | Structure Change | Acquired Superior Savings of New England, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2007 | Structure Change | Acquired North Fork Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2007 | Structure Change | Acquired Capital One, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 18, 2005 | Delisting | delisting | SEC |
| November 16, 2005 | Delisting | deregistration | SEC |
| May 13, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 2004 | Structure Change | Acquired Coastal Banc, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 1999 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| March 8, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 1999 | Structure Change | Acquired First Service Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired Hibernia National Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1998 | Structure Change | Acquired Peoples Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1998 | Structure Change | Acquired ArgentBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired First National Bank in Mansfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1996 | Structure Change | Acquired St. Bernard Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 26, 1996 | Ipo | ipo_priced | SEC |
| August 26, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 26, 1996 | Structure Change | Acquired The Calcasieu-Marine National Bank of Lake Charles Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 15, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 1996 | Structure Change | Acquired Bunkie Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1996 | Structure Change | Acquired The First National Bank of Lake Providence Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1995 | Structure Change | Acquired Progressive Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1995 | Structure Change | Acquired State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 47 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Capital One, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 10 against the institution (OCC); 17 against individuals associated with it
- August 5, 2020, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Capital One, National Association
- August 5, 2020, OCC: Civil Money Penalty (CMP): Capital One, National Association
- October 23, 2018, OCC: Civil Money Penalty (CMP): Capital One, National Association
- July 10, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Capital One, National Association
- November 6, 2014, OCC: Civil Money Penalty (CMP): Capital One, National Association
- Period: Most recent institution action August 5, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 17.1% of deposits in VA, rank 1 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 485 applications, 414 loans originated, $8.89B originated, across 38 states
- Period: Calendar year 2022. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 34,178 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Capital One, N.A.
What are Capital One, N.A.'s total assets?
As of the Q2 2026 filing, Capital One, N.A. reported total assets of $662.16 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Capital One, N.A. headquartered?
Capital One, N.A. is headquartered in McLean, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Capital One, N.A. founded?
Capital One, N.A. was established in 1933, per the FDIC institution directory.
Is Capital One, N.A. FDIC-insured?
Yes. Capital One, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capital One, N.A.?
Capital One, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Capital One, N.A.'s CET1 capital ratio?
Capital One, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Capital One, N.A. operate?
Capital One, N.A. operates 252 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capital One, N.A.'s Texas Ratio?
Capital One, N.A.'s Texas Ratio is 14.75% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Capital One, N.A. previously called?
The charter now named Capital One, N.A. has also operated as Hibernia National Bank (1987-2006), per FDIC structure-change records.
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