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Capital One, National Association
Mclean, VA·FDIC Cert #4297·Charter: OCC·Est. 19330522.0·HC: CAPITAL ONE FINANCIAL CORP
Total Assets
$658.5B
Q4 2025
Return on Assets
0.55%
+0.35%Peer avg: 1.29%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.98%
Peer avg: 52.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
47
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.55%+0.35
ROE
3.93%+2.50
Efficiency
52.98%+0.71
Equity/Assets
0.00%+0.00
NPL Ratio
1.83%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
85.38%-0.53
Charge-offs
3.27%+0.08
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 0.9 | 1.1 | 1.1 | 1.3 | -1.0 | 0.2 | 0.5 |
| ROE | 10.4 | 7.8 | 9.7 | 9.5 | 10.7 | -7.4 | 1.4 | 3.9 |
| Efficiency | 53.5 | 52.1 | 52.0 | 53.7 | 57.5 | 54.8 | 52.3 | 53.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.9 | 1.9 | 2.0 | 2.1 | 1.9 | 1.7 | 1.8 | 1.8 |
| Charge-offs | 3.3 | 3.3 | 3.3 | 3.3 | 3.4 | 3.2 | 3.2 | 3.3 |
| Loan/Deposit | 80.5 | 81.1 | 79.9 | 80.9 | 79.3 | 85.2 | 85.9 | 85.4 |
Balance Sheet
Total Assets$658.5B
Total Deposits$504.8B
Total Loans$431.0B
Total Equity$97.6B
Profitability
ROA0.55%
ROE3.93%
Efficiency Ratio52.98%
Net Income$3.2B
Risk & Asset Quality
NPL Ratio1.83%
Charge-off Rate3.27%
Loan/Deposit85.38%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans