Capital One National Assn (FDIC #4297): Bank Stress & Real-Estate Credit Exposure
Capital One National Assn (FDIC Cert #4297): bank stress 40/100, contained, STABLE over 7 days; parent CAPITAL ONE FINANCIAL CORP (COF).
Capital One National Assn (#4297) lends in 65 counties across 8 states; Capital One National Assn (#4297) reaches 1,872 ZIP codes: Louisiana 26 counties, 321 ZIPs; New York 8 counties, 478 ZIPs; Texas 8 counties, 358 ZIPs; Maryland 7 counties, 249 ZIPs; New Jersey 7 counties, 237 ZIPs; Virginia 6 counties, 116 ZIPs.
Capital One National Assn (#4297) largest markets: Harris County, TX (715 branches, 143 ZIPs) (#4297), Suffolk County, NY (1,526 branches, 109 ZIPs) (#4297), Dallas County, TX (570 branches, 95 ZIPs) (#4297), Westchester County, NY (234 branches, 78 ZIPs) (#4297), Nassau County, NY (980 branches, 70 ZIPs) (#4297), New York County, NY (700 branches, 70 ZIPs) (#4297).
Capital One National Assn (#4297) reports $662.16 billion in total assets; Capital One National Assn (#4297) equity $98.72 billion (14.9% of Capital One National Assn (#4297) assets); Capital One National Assn (#4297) domestic deposits $512.45 billion; Capital One National Assn (#4297) net income $5.55 billion; Capital One National Assn (#4297) return on assets 1.67%; Capital One National Assn (#4297) return on equity 11.35%; Capital One National Assn (#4297) net interest income $24.71 billion; Capital One National Assn (#4297) call report June 30, 2026.
Capital One National Assn (#4297) noncurrent real-estate loans 0.52% of its book; Capital One National Assn (#4297) multifamily 0.19%; Capital One National Assn (#4297) residential 0.42%; Capital One National Assn (#4297) net charge-offs on real estate 2.98%; Capital One National Assn (#4297) multifamily charge-offs 3.78%; Capital One National Assn (#4297) residential charge-offs 2.67%.
Capital One National Assn (#4297) net interest margin 8.47% against an eight-quarter Capital One National Assn (#4297) average of 7.89% (Capital One National Assn (#4297) compression -0.58 points); Capital One National Assn (#4297) real-estate loans 52.1% of equity; Capital One National Assn (#4297) non-residential real estate 267.4% of equity; Capital One National Assn (#4297) rate-exposure score 50/100, Capital One National Assn (#4297) fixed-rate trap 50/100; Capital One National Assn (#4297) risk type market signal; Capital One National Assn (#4297) rate regime rates elevated; Capital One National Assn (#4297) shares 20.9% below the 52-week high, Capital One National Assn (#4297) equity trend drawdown, Capital One National Assn (#4297) snapshot October 20, 2026.
Capital One National Assn (#4297) stress score moved from 45.4 on June 22, 2026 to 39.8 on October 20, 2026; Capital One National Assn (#4297) ranged 39.8 to 45.4 over 117 snapshots.
Capital One National Assn (#4297) alerts: 39 counties; top Capital One National Assn (#4297) alert scores: Washington County, VA 35 (low); Arlington County, VA 34 (low); Frederick County, VA 33 (low); Alexandria County, VA 29 (low); Abbeville County, VA 17 (low).