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BDI
CO

Capital One, National Association

Mclean, VirginiaFDIC Cert #4297

OCCEstablished 1933263 branches

Holding company: CAPITAL ONE FINANCIAL CORPRegulator: OCC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
1.39%
+10.4%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNETINC + ROA
ROE
9.51%
−11.3%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNETINC + ROE
Pretax ROA
1.77%
+12.4%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICPTAXNETINC + ASSET
NIM
8.35%
+12.0%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNIM + NIMY
Earning yield
11.07%
+5.9%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICINTINCY
IB deposit cost
3.24%
−10.2%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
50.04%
−12.9%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
4.78%
−0.1%y/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNONIX + ASSET
Fee share
18.19%
−7.8%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNONII + NIM
Assets YoY
+36.98%
+1,414.3%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICASSET
Deposits YoY
+33.97%
+774.3%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICDEP
Loans YoY
+37.59%
+1,523.1%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
17th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 1.39%Median 2.62%90th 4.34%Observations 7
ROE
FDICNETINC + ROE
12th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 9.81%Median 16.90%90th 40.10%Observations 7
NIM
FDICNIM + NIMY
0th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 8.44%Median 12.97%90th 20.65%Observations 7
Efficiency
FDICNONIX + NIM + NONII + EEFFR
50th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 34.19%Median 50.04%90th 64.72%Observations 7
Deposits YoY
FDICDEP
87th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th +1.19%Median +4.86%90th +27.30%Observations 7
Loans YoY
FDICLNLSNET
75th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th +0.16%Median +7.12%90th +40.91%Observations 7
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
25th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 1.29%Median 2.32%90th 3.74%Observations 7
Leverage
FDICRBC1AAJ
25th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 9.96%Median 12.45%90th 14.97%Observations 7

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
100th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 3.54%Median 3.92%90th 5.43%Observations 7
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
100th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 0%Median 0%90th 12%Observations 7

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.