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CAPITAL ONE FINANCIAL CORP

For the period ended Dec 31, 2025. Filed Feb 19, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 19, 2026

COF$195.84-1.4%Stored close · as of Nov 10, 2026

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Contents

Regulatory Risk-Based Capital Components and Regulatory Capital Metrics

Table 13 presents regulatory capital under the Basel III standardized approach and regulatory capital metrics as of December 31, 2025 and 2024.

Table 13: Regulatory Risk-Based Capital Components and Regulatory Capital Metrics

(Dollars in millions)December 31, 2025December 31, 2024
Regulatory capital under Basel III standardized approach
Common equity excluding AOCI$113,677$65,823
Adjustments and deductions:
AOCI, net of tax(1)811
Goodwill, net of related deferred tax liabilities(28,217)(14,786)
Other intangible and deferred tax assets, net of deferred tax liabilities(12,493)(231)
Common equity Tier 1 capital73,04850,807
Tier 1 capital instruments5,4074,845
Tier 1 capital78,45555,652
Tier 2 capital instruments2,9401,307
Qualifying allowance for credit losses6,6054,846
Tier 2 capital9,5456,153
Total capital$88,000$61,805
Regulatory capital metrics
Risk-weighted assets$511,794$377,145
Adjusted average assets(2)629,997480,794
Total leverage exposure(3)737,911559,399

(1)Excludes certain components of AOCI in accordance with rules applicable to Category III institutions. See “Capital Management—Capital Standards and Prompt Corrective Action—Basel III and U.S. Capital Rules” in this Report.

(2)Includes on-balance sheet asset adjustments subject to deduction from Tier 1 capital under the Basel III Capital Rules.

(3)Reflects on- and off-balance sheet amounts for the denominator of the supplementary leverage ratio as set forth by the Basel III Capital Rules.

95Capital One Financial Corporation (COF)
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