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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Nonperforming Loans and Other Nonperforming Assets
Nonperforming Loans and Nonperforming Assets
Nonperforming loans include loans that have been placed on nonaccrual status. Nonperforming assets consist of nonperforming loans, repossessed assets and other foreclosed assets. See “Item 8. Financial Statements and Supplementary Data—Note 1—Summary of Significant Accounting Policies” for information on our policies for classifying loans as nonperforming for each of our loan portfolios.
Table 24 presents our nonperforming loans by portfolio and other nonperforming assets as of December 31, 2025 and 2024. We do not classify loans held for sale as nonperforming. We provide additional information on our credit quality metrics in “Business Segment Financial Performance.”
Table 24: Nonperforming Loans and Other Nonperforming Assets(1)
| December 31, 2025 | December 31, 2024 | |||
|---|---|---|---|---|
| (Dollars in millions) | Amount | Rate | Amount | Rate |
| Nonperforming loans held for investment:(2) | ||||
| Credit Card: | ||||
| Personal loans | $12 | 0.13% | N/A | N/A |
| International card businesses | 12 | 0.16 | $10 | 0.15% |
| Total credit card | 24 | 0.01 | 10 | 0.01 |
| Consumer Banking: | ||||
| Auto | 566 | 0.68 | 750 | 0.98 |
| Retail banking | 17 | 1.45 | 25 | 1.94 |
| Total consumer banking | 583 | 0.69 | 775 | 0.99 |
| Commercial Banking: | ||||
| Commercial and multifamily real estate | 320 | 0.95 | 509 | 1.60 |
| Commercial and industrial | 892 | 1.60 | 701 | 1.27 |
| Total commercial banking | 1,212 | 1.36 | 1,210 | 1.39 |
| Total nonperforming loans held for investment(3) | 1,819 | 0.40 | 1,995 | 0.61 |
| Other nonperforming assets(4) | 115 | 0.03 | 65 | 0.02 |
| Total nonperforming assets | $1,934 | 0.43 | $2,060 | 0.63 |
(1)We recognized interest income for loans classified as nonperforming of $96 million and $111 million in 2025 and 2024, respectively.
(2)Nonperforming loan rates are calculated based on nonperforming loans for each category divided by period-end total loans held for investment for each respective category.
(3)Excluding the impact of domestic credit card loans, nonperforming loans as a percentage of total loans held for investment was 0.95% and 1.16% as of December 31, 2025 and 2024, respectively.
(4)The denominators used in calculating nonperforming asset rates consist of total loans held for investment and other nonperforming assets.
| 113 | Capital One Financial Corporation (COF) |
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