BlastPoint's Banking Scorecard
Capital One, National Association
Titans
Specialty: Credit Card
VA
FDIC cert 4297
Mclean, VA
16
banks in Titans tier nationally
1 in VA
View Titans leaderboard (VA) →
Capital One, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 5.88% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.97% above tier
- - Loan-to-Deposit Ratio 29.70% above tier
- - Nonperforming Asset Ratio 0.77% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$658.5B
+35.2% YoY
+1.0% QoQ
|
-$293.9B |
$952.4B
-3.6% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$431.0B
+38.3% YoY
+0.5% QoQ
|
+$12.5B |
$418.5B
-0.2% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$504.8B
+31.0% YoY
+1.2% QoQ
|
-$235.1B |
$739.8B
-3.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.55%
-50.1% YoY
+179.9% QoQ
|
-0.57% |
1.11%
+7.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
8.35%
+12.7% YoY
+2.4% QoQ
|
+5.88% |
2.47%
+1.2% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
52.98%
-1.3% YoY
+1.4% QoQ
|
-2.88% |
55.86%
+1.9% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
1.83%
-10.9% YoY
+2.7% QoQ
|
+0.97% |
0.86%
-12.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
85.38%
+5.6% YoY
-0.6% QoQ
|
+29.70% |
55.68%
+5.4% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.60%
-18.8% YoY
-1.7% QoQ
|
-9.20% |
14.80%
-14.8% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
1.21%
-8.9% YoY
+2.4% QoQ
|
+0.77% |
0.44%
-9.5% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
13.44%
-1.4% YoY
-0.1% QoQ
|
-2.08% |
15.52%
+8.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
1.50%
-5.1% YoY
+40.0% QoQ
|
+0.25% |
1.25%
-5.5% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 1%
in Titans
Why this stands out
Current:
8.35%
(Tier avg: 2.47%, National avg: 3.75%)
Concerns (3)
Delinquency Rate
metric
Bottom 6%
in Titans
Why this stands out
Current:
1.83%
(Tier avg: 0.86%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Titans
Why this stands out
Current:
85.38%
(Tier avg: 55.68%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Titans
Why this stands out
Current:
1.21%
(Tier avg: 0.44%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Net Interest Margin
Current: 8.35% · Tier avg: 2.47%
75
75th pctile
Total Loans
Current: $431.0B · Tier avg: $418.5B
75
75th pctile
Non-Interest Income / Assets
Current: 1.50% · Tier avg: 1.25%
69
69th pctile
Total Assets
Current: $658.5B · Tier avg: $952.4B
69
69th pctile
Total Deposits
Current: $504.8B · Tier avg: $739.8B
62
62th pctile
Efficiency Ratio
Current: 52.98% · Tier avg: 55.86%
38
38th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 15.52%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 5.60% · Tier avg: 14.80%
12
12th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.11%
6
6th pctile
Delinquency Rate
Current: 1.83% · Tier avg: 0.86%
6
6th pctile
Loan-to-Deposit Ratio
Current: 85.38% · Tier avg: 55.68%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.44%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.44%
6
6th pctile
Loan-to-Deposit Ratio
Current: 85.38% · Tier avg: 55.68%
6
6th pctile
Delinquency Rate
Current: 1.83% · Tier avg: 0.86%
12
12th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.11%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 5.60% · Tier avg: 14.80%
38
38th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 15.52%
62
62th pctile
Efficiency Ratio
Current: 52.98% · Tier avg: 55.86%
69
69th pctile
Total Deposits
Current: $504.8B · Tier avg: $739.8B
69
69th pctile
Total Assets
Current: $658.5B · Tier avg: $952.4B
75
75th pctile
Non-Interest Income / Assets
Current: 1.50% · Tier avg: 1.25%
75
75th pctile
Total Loans
Current: $431.0B · Tier avg: $418.5B
100
100th pctile
Net Interest Margin
Current: 8.35% · Tier avg: 2.47%