FDIC Cert #4297 · Mclean, Virginia · Est. 1933

Capital One, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$658.5B
Total assets
B
Health grade · Good
0.55%
Return on assets
13.4%
Tier 1 capital

Data updated July 2026

The verdict

Capital One, National Association earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.44% Tier 1, 0.55% ROA, efficient (53% cost ratio).

#6
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
13.44%
Tier 1 ratio - above the 10% well-capitalized line
17th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 4297 · VA B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MEGA · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2288/4307
  • PHOTO-FINISH The First National B… · IN
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-CLEAN 6.5% Texas
  • ROA-THIN 0.55% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: The First National Bank of Monterey, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Capital One

Lowest and highest poles plus nearest scored peers outside Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of 1889 · AR · near77/100Capital One, Nationa… · VA ·…77/100Elevate Bank, Nation… · KS ·…77/100The First National B… · IN ·…77/100The Marion National… · KS · …77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Capital One · July 2026

What Capital One's Call Report plate shows

Capital One, National Association (FDIC Cert #4297) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,288 of 4,307. Tier 1 capital prints at 13.44%, clearing the 10% well-capitalized line. The Texas Ratio is 6.52%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.55%. Balance-sheet scale is $658.5B, 6th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Monterey (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Capital One

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

Capital One, National Association's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Capital One, National Association remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Virginia banks.

How Capital One, National Association's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
Capital One, National Association's composite health score
Tier 1 Capital Ratio (13.44%) 35/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (6.52%) 16/20
Efficiency Ratio (52.98%) 12/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$658.5B

Total balance-sheet footings

Total Deposits

$504.8B

Customer-funded liabilities

Net Loans

$431.0B

Outstanding loan book

Net Income

$3.2B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.04% 13.44% 14.84%
Basel III capital ratios - Capital One, National Association

Where Capital One, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Capital One, National Association's score of 77/100 falls in the highlighted band.

Capital One, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Capital One 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Capital One, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Capital One, National Association's $658.5B falls in the highlighted band.

Safety ratios for Capital One

Tier 1 capital ratio
Well-capitalized 10%

13.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.44%
Texas Ratio
6.52%
Equity Capital
$97.6B

What these ratios mean →

Profitability metrics: Capital One

Return on Assets (ROA)
17th percentile nationally
0.55%
Return on Equity (ROE)
3.93%
Efficiency Ratio
52.98%

What these mean →

Income & expense at Capital One

$58.6B
Interest Income
$9.9B
Non-Interest Income
$29.4B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Capital One, National Association reports a Texas Ratio of 6.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Capital One, National Association on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Top 5 banks in Virginia ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Capital One, National Association by assets

Measured strictly by total assets rather than geography, Capital One, National Association's closest national peers include Goldman Sachs Bank USA, U.S. Bank, PNC Bank, Truist Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Virginia. Averaged across this asset-matched cohort, return on assets runs 1.18% (Capital One, National Association is below that at 0.55%), the efficiency ratio averages 56.03% (Capital One, National Association runs leaner at 52.98%), and Tier 1 capital averages 14.16% (Capital One, National Association holds less at 13.44%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $658.5B in assets, Capital One, National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Capital One, National Association nationally by total assets
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  4. 4
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  5. 5
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  6. 6
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Capital One, National Association (this bank) VA $658.5B 0.55% 52.98% 13.44%
Goldman Sachs Bank USA NY $645.0B 1.42% 39.21% 15.63%
U.S. Bank National Association OH $676.1B 1.18% 55.44% 13.02%
PNC Bank, National Association DE $568.3B 1.30% 57.53% 11.91%
Truist Bank NC $539.5B 1.04% 54.45% 11.78%
The Bank of New York Mellon NY $381.0B 1.31% 60.76% 16.33%
State Street Bank and Trust Company MA $360.7B 0.83% 68.78% 16.27%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($658.5B here), outside Virginia so the neighborhood is not state containment.

Goldman Sachs Bank USA $645.0B · NY U.S. Bank $676.1B · OH PNC Bank $568.3B · DE Truist Bank $539.5B · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Capital One, National Association (FDIC Cert #4297) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Capital One, National Association Call Report profile · FDIC Failed Bank List · Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
HSBC Bank USA, National AssociationTysons $165.3B A 0.92%
Atlantic Union BankRichmond City $37.5B A 0.99%
United BankFairfax $33.5B A 1.50%
TowneBankPortsmouth $19.7B B 0.90%
Burke & Herbert Bank & Trust CompanyAlexandria $7.9B A 1.69%
Carter Bank & TrustMartinsville $4.8B D 0.72%
The First Bank and Trust CompanyLebanon $4.2B A 1.62%
Primis BankTappahannock $4.0B B 1.13%