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Examined: Sat, 25 Apr 2026 19:40:57 GMT

Capital One, National Association

RSSD 112837 · VA · Total assets $658,464M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
3
1 finding
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
0 findings
S
Sensitivity
2
0 findings
0
Critical
1
High
0
Moderate
0
Low
24
Procedures run

Findings

HIGH · Asset Quality Procedure A-01

Nonperforming loan ratio exceeds examination threshold

Citation
OCC Comptroller's Handbook, Rating Credit Risk (April 2001) - https://occ.treas.gov/publications-and-resources/publications/comptrollers-handbook/files/rating-credit-risk/index-rating-credit-risk.html; FFIEC UBPR User's Guide, Section III, Analysis of Past-Due, Nonaccrual & Restructured Loans and Leases - https://www.ffiec.gov/data/ubpr/report-user-guide
Evidence
Nonperforming loans consist of nonaccrual loans $6,406M plus loans 90 days or more past due and still accruing $4,391M, measured against total loans and leases $327,978M.
Recommended action
Provide board and management analysis of the nonperforming loan drivers, updated risk-rating support, workout and collection status for material credits, charge-off review support, and portfolio-level action plans for segments contributing to elevated nonperformance.

Key ratios computed

Tier 1 ratio
13.63%
↑ rank 10 of 16 · global
Tier 1 leverage
10.69%
↑ rank 3 of 16 · global
Total capital
15.18%
↑ rank 10 of 16 · global
NPL ratio
1.95%
ACL coverage
253.78%
CRE concentration
16.38%
Construction conc.
3.46%
ROA (annualized)
1.09%
↑ rank 7 of 16 · global
NIM
7.41%
↑ rank 1 of 16 · global
Efficiency ratio
53.67%
↓ rank 7 of 16 · global
Loans / Deposits
85.09%
Brokered / Deposits
3.08%
Uninsured / Deposits
22.65%
Liquid asset ratio
8.29%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$487,193M
23Q03$469,432M 23Q06$464,954M 23Q09$468,780M 23Q12$475,629M 24Q03$478,877M 24Q06$477,304M 24Q09$483,857M 24Q12$487,193M
Tier 1 leverage
10.69%
23Q0310.10% 23Q0610.17% 23Q0910.30% 23Q1210.30% 24Q0310.47% 24Q0610.55% 24Q0910.91% 24Q1210.69%
Tier 1 RBC ratio
13.63%
23Q0312.92% 23Q0613.00% 23Q0913.17% 23Q1213.05% 24Q0313.37% 24Q0613.53% 24Q0914.02% 24Q1213.63%
ROA (YTD ann.)
1.09%
23Q030.89% 23Q061.09% 23Q091.27% 23Q121.12% 24Q031.16% 24Q060.87% 24Q091.11% 24Q121.09%
NIM (YTD ann.)
7.41%
23Q037.09% 23Q067.04% 23Q097.11% 23Q127.15% 24Q037.17% 24Q067.20% 24Q097.34% 24Q127.41%
Efficiency ratio
53.7%
23Q0354.8% 23Q0653.6% 23Q0952.5% 23Q1254.1% 24Q0353.5% 24Q0652.1% 24Q0952.0% 24Q1253.7%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

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