CAPITAL ONE FINANCIAL CORP
For the period ended Dec 31, 2025. Filed Feb 19, 2026.
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FY2025 · Filed Feb 19, 2026
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90+ Day Delinquent Loans Accruing Interest
Table 23 summarizes loans that were 90+ days delinquent, in regards to interest or principal payments, and still accruing interest as of December 31, 2025 and 2024. These loans consist primarily of credit card accounts between 90 days and 179 days past due. As permitted by regulatory guidance issued by the FFIEC, we continue to accrue interest and fees on domestic credit card loans through the date of charge off, which is typically in the period the account becomes 180 days past due.
Table 23: 90+ Day Delinquent Loans Accruing Interest
| December 31, 2025 | December 31, 2024 | |||
|---|---|---|---|---|
| (Dollars in millions) | Amount | Rate(1) | Amount | Rate(1) |
| Loan segment: | ||||
| Credit card | $5,352 | 1.91% | $3,711 | 2.28% |
| Commercial banking | — | — | 96 | 0.11 |
| Total | $5,352 | 1.18 | $3,807 | 1.16 |
| Geographic region: | ||||
| Domestic | $5,195 | 1.16% | $3,673 | 1.14% |
| International | 157 | 2.05 | 134 | 1.95 |
| Total | $5,352 | 1.18 | $3,807 | 1.16 |
(1)Delinquency rates are calculated by dividing delinquency amounts by period-end loans held for investment for each specified loan category.
| 112 | Capital One Financial Corporation (COF) |
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