Capital One Bank (USA), National Association

Headquarters

4851 Cox Road
Glen Allen, VA 23060
See all branch locations →

Phone 877 383 4802

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Capital One Bank (USA), National Association is an FDIC insured institution located in Glen Allen, VA. It was founded in 1994 and has approximately $107.24 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 33954
Date Established 1994
Assets $ 107.24 billion
Loans $ 81.24 billion
Deposits $ 69.90 billion
Capital $ 18.23 billion
 

For a more detailed analysis of Capital One Bank (USA), National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 2, 2021

Your Current Location: Virginia, VA 20146

 

Loan Rates - December 2, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Capital One Bank (USA), National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500%
1.00 points
$3,750 fees
$1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

Note to Capital One Bank (USA), National Association
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Branches

Capital One Bank (USA), National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Capital One Bank (USA), National Association Locations



Climate Initiatives

Capital One Bank (USA), National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Capital One Bank (USA), National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital One Bank (USA), National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Capital One Bank (USA), National Association U.S. Bank Average
3.14% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Capital One Bank (USA), National Association had $824,069,000 in non-current loans and $7,023,000 in owned real estate. To cover these potential losses it had $18,226,742,000 in equity and $8,271,188,000 in loans loss reserves. That gives it a Texas Ratio of 3.14%.

Return on Equity
Capital One Bank (USA), National Association U.S. Bank Average
43.46% 11.29%

Capital One Bank (USA), National Association has a Return on Equity of 43.46% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Capital One Bank (USA), National Association U.S. Bank Average
17% 11.72%

Capital One Bank (USA), National Association has a Capitalization of 17% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Capital One Bank (USA), National Association Balance Sheet Analysis

As of June 30, 2021, Capital One Bank (USA), National Association had assets of $107,235,113,000, loans of $81,241,095,000, and deposits of $69,897,695,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
ASSETS
Cash & Balances due from depository institutions $ 5.38 billion
Interest-bearing balances $ 3.76 billion
Total securities $ 13.23 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 81.24 billion
Loan loss allowance $ 8.27 billion
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 7.02 million
Goodwill and other intangibles $ 316.64 million
All other assets $ 5.83 billion
     Total Assets $ 89.01 billion
LIABILITIES
Total deposits $ 69.90 billion
      Interest-bearing deposits $ 69.11 billion
      Deposits held in domestic offices $ 69.73 billion
      % insured (estimated) 13.18%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 11.28 billion
Subordinated debt $ 1,437.63 million
All other liabilities $ 6.39 billion
      Total Liabilities $ 89.01 billion
      Shareholders’ Equity $ 18.23 billion

Summary Income Statement

June 30, 2021
INCOME AND EXPENSES
Total Interest Income $ 6.72 billion
Total Interest Expense $ 776.95 million
Net interest income $ 5.94 billion
Provision for loan and lease losses N.A.
Total non interest income $ 2.08 billion
Total non interest expense $ 3.75 billion
Pre-tax Net Operating Income $ 5.36 billion

Bank Loan Profile?

The top three loan types in Capital One Bank (USA), National Association’s loan portfolio are Credit Card Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Virginia, Capital One Bank (USA), National Association has a significantly higher percent of Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 99.95
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 10.24
Farm Loans 0.00

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