Capital One, National Association: how it compares with its peers
Against 8 U.S. banks with half to twice its assets, Capital One, National Association's strongest measure in Q2 2026 is return on assets (1.67% vs. a 1.22% peer median). Its weakest relative measure is assets per employee ($7.3M vs. $11.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.22% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 8.47% | 2.33% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.61% | 56.07% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $11.5M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.76% | 54.10% | Context |
What it means for lending operations
Its efficiency ratio of 50.61% is better than the 56.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- U.S. Bank National Association Cincinnati, OH · $705.55B
- PNC Bank, National Association Wilmington, DE · $609.77B
- Goldman Sachs Bank USA New York, NY · $758.79B
- Truist Bank Charlotte, NC · $548.35B
- The Bank of New York Mellon New York, NY · $425.12B
- Morgan Stanley Bank, National Association Salt Lake City, UT · $419.32B
Questions about Capital One, National Association
How big is Capital One, National Association?
Capital One, National Association, established in 1933, is headquartered in Mclean, VA. It reported $662.16B in total assets in its Q2 2026 FDIC call report and operates 251 offices.
What is Capital One, National Association's return on assets?
1.67% annualized in Q2 2026, against a 1.22% median for 8 U.S. banks with half to twice its assets, ahead of 100% of them.
What is Capital One, National Association's efficiency ratio?
50.61% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 56.07%, and lower is better.
Is Capital One, National Association growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits grew 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.