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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #112837 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.38% of loans.
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.41%.

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
87
Sub-score

Liquidity is strong: brokered 3.8%, loans/deposits 85.4%.

Cash / Assets
—
Loans / Deposits
85.41%
Brokered %
3.82%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.95%
No watch items at this period.

Capitalization

StableQoQ 0
70
Sub-score

Capital position is stable: Tier 1 RBC 13.44%, CET1 0.00%, leverage 10.32%.

Tier 1 RBC
13.44%
CET1
0.00%
Leverage
10.32%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -2
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.83%, Texas Ratio 8.6%, NCO YTD 3.38%.

Adjusted NPL
1.83%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
3.38%
30-89 PD
2.41%
Band 0.3% / 3.0%
90+ PD
1.41%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.41%.
  • riskNet charge-offs elevated — NCO YTD 3.38% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 5.15% of loans, coverage 296.5%, true coverage 179.5%.

ALLL / Loans
5.15%
Coverage
296.5%
True Loss Coverage
179.5%
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