🏦Bank Scorer

CAPITAL ONE, NATIONAL ASSOCIATION

MCLEAN, VA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1933FDIC #4,297
Part ofCapital One Financial Corporation→ View all charters
Outstanding Same

Current rating · Exam: August 2023

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

884

1.32 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.39%

Institution Profile

FDIC BankFind

Address

1680 Capital One Dr, MCLEAN, VA

County

Fairfax County

Established

May 22, 1933

Total Assets

$672.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 28, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$672.0B

Total Deposits

$520.8B

Net Loans

$424.3B

Net Income

$2.3B

ROA

1.39%

ROE

9.51%

Risk-Based Capital

15.41%

Regulatory minimum: 8%

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

Complaints / $B1.32Peer avg: 0.83▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

261

Branch Deposits

$497.3B

1-Year Change

+3

5-year net change: -190 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202247587.16%0.63%
202155189.11%0.18%
202066985.65%3.44%
201977180.93%2.59%
201882689.59%2.42%

2024 national avg denial rate: 23.75% · above-average shown in red

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

884

All Time

3,483

Monetary Relief

19.1%

Untimely Response

0.1%

Most common complaint type: Credit reporting, credit repair services, or other personal consumer reports· 1.32 per $B assets (12m)

1.32 per $B assets — more complaints than 100% of Large banks

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202410
October 2024102
November 202400
December 202400
January 202500
February 202500
March 202500
April 202530
May 202500
June 202500
July 202500
August 202500
September 2025232
October 2025467
November 2025191
December 2025558
January 2026242
February 202683
March 20268516
April 202627852
May 202628337
June 2026632

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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