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Capital One National Association

IDRSSD: 112837
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #112837 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Strong

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.33% of loans.
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.22%.

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
89
Sub-score

Liquidity is strong: brokered 4.3%, loans/deposits 81.2%.

Cash / Assets
—
Loans / Deposits
81.17%
Brokered %
4.27%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.26%
No watch items at this period.

Capitalization

StrongQoQ -1
94
Sub-score

Capital position is strong: Tier 1 RBC 13.53%, CET1 13.53%, leverage 10.24%.

Tier 1 RBC
13.53%
CET1
13.53%
Leverage
10.24%
No watch items at this period.

Asset Quality

WatchQoQ 0
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.89%, Texas Ratio 8.6%, NCO YTD 3.33%.

Adjusted NPL
1.89%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
3.33%
30-89 PD
2.58%
Band 0.3% / 3.0%
90+ PD
1.22%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.22%.
  • riskNet charge-offs elevated — NCO YTD 3.33% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 5.22% of loans, coverage 291.5%, true coverage 214.8%.

ALLL / Loans
5.22%
Coverage
291.5%
True Loss Coverage
214.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 16:45:11 UTC