Capital One, National Association is a national bank headquartered in Mclean, Virginia, in business for about 93 years. At the end of Q2 2026 it reported $662.2B in total assets and $512.6B in deposits, with 251 offices across 10 states.
Based on its Q2 2026 filing, Capital One, National Association scores 66/100, which we describe as moderate. That is higher than 84% of 32 banks with over $100 billion. Among 56 banks headquartered in Virginia, it ranks 41st. Its strongest component is problem-loan coverage (89/100; 5.7%), and its lowest is loan quality (50/100; 1.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (53 → 66), mostly because the earnings component improved by 87 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 58 |
| Q4 2024 | 57 |
| Q1 2025 | 61 |
| Q2 2025 | 53 |
| Q3 2025 | 53 |
| Q4 2025 | 56 |
| Q1 2026 | 63 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.55% |
| Q3 2024 | 10.91% |
| Q4 2024 | 10.69% |
| Q1 2025 | 10.82% |
| Q2 2025 | 12.61% |
| Q3 2025 | 10.94% |
| Q4 2025 | 10.90% |
| Q1 2026 | 10.80% |
| Q2 2026 | 10.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.79% |
| Q3 2024 | 1.91% |
| Q4 2024 | 1.95% |
| Q1 2025 | 1.78% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.69% |
| Q4 2025 | 1.74% |
| Q1 2026 | 1.67% |
| Q2 2026 | 1.49% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.26% |
| Q2 2025 | -0.96% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.55% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $662.2B | 10.58% | 1.49% | 1.67% | 84.8% |
| Q1 2026 | 63 | $672.0B | 10.80% | 1.67% | 1.39% | 81.5% |
| Q4 2025 | 56 | $658.5B | 10.90% | 1.74% | 0.55% | 85.4% |
| Q3 2025 | 53 | $652.1B | 10.94% | 1.69% | 0.19% | 85.9% |
| Q2 2025 | 53 | $648.9B | 12.61% | 1.63% | -0.96% | 85.2% |
| Q1 2025 | 61 | $490.6B | 10.82% | 1.78% | 1.26% | 79.3% |
| Q4 2024 | 57 | $487.2B | 10.69% | 1.95% | 1.09% | 80.9% |
| Q3 2024 | 58 | $483.9B | 10.91% | 1.91% | 1.11% | 79.9% |
| Q2 2024 | 57 | $477.3B | 10.55% | 1.79% | 0.87% | 81.1% |
32 peers · Over $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| HSBC Bank USA, National AssociationBank Tysons, VA | 57 out of 100, Moderate | $173.1B | 10.2% | 1.45% | vs |
Deposit insurance
Is my money safe at Capital One, National Association?
Yes. Capital One, National Association is an FDIC-insured institution (FDIC certificate #4297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.8% of deposits ($106.7B) are above the $250,000 FDIC insurance limit, below the peer median of 43%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.88% (benchmark: 10%).
251 locations
Branches
Capital One, National Association lists 240 offices in 167 cities across 10 states. Most locations:
- Brooklyn, NY (13)
- New York, NY (9)
- Baton Rouge, LA (6)
- Bronx, NY (6)
- New Orleans, LA (6)
- Washington, DC (5)
- Gaithersburg, MD (4)
- Houston, TX (4)
- Rockville, MD (4)
- Baltimore, MD (3)
- Dallas, TX (3)
- Mclean, VA (3)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 85,905 consumer complaints about CAPITAL ONE FINANCIAL CORPORATION to the company (33,812 in the last 12 months). 100.0% received a timely response. That is 167.6 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Bass Pro Shop's CLUB Card | 19.74% – 31.24% | $0 | $29 | 0.0% |
| BJ's One + Mastercard | 18.99% – 29.24% | $0 | $29 | 0.0% |
| BJ's One Mastercard | 18.99% – 29.24% | $0 | $29 | 0.0% |
| Cabela's CLUB Card | 19.74% – 31.24% | $0 | $29 | 0.0% |
| Discover it® Cash Back Credit Card | 16.74% – 29.24% | $0 | $0 | 0.0% |
| Discover it® Cash Back Credit Card by Capital One | 17.99% – 27.24% | $0 | $0 | 0.0% |
| Discover it® Chrome Gas & Restaurant Credit Card | 16.49% – 29.24% | $0 | $0 | 0.0% |
| Discover it® Chrome Gas & Restaurant Credit Card by Capital One | 17.99% – 26.99% | $0 | $0 | 0.0% |
Identity & history
Profile
- Legal name
- Capital One, National Association
- Former names
- The Hibernia National Bank in New Orleans; Hibernia National Bank
- Type
- National bank
- FDIC certificate #
- 4297
- RSSD ID
- 112837
- Primary regulator
- OCC
- Holding company
- Capital One Financial Corp
- Established
- May 22, 1933
- Headquarters
- 1680 Capital One Dr, Mclean, VA 22102
- Website
- www.capitalone.com
- Employees
- 90,255
Quick answers
Capital One, National Association: common questions
Is Capital One, National Association FDIC insured?
Yes. Capital One, National Association is an FDIC-insured institution (FDIC certificate #4297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Capital One, National Association's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Capital One, National Association ever failed?
There is no failure record for FDIC certificate #4297 in the FDIC failed bank list.
How many branches does Capital One, National Association have?
251 offices as of the latest FDIC data, in 10 states.
Nearby
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|---|---|---|---|---|---|
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