CAPITAL ONE FINANCIAL CORP
For the period ended Mar 31, 2026. Filed May 7, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2026 · Filed May 7, 2026
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Loans Held for Investment
Total loans held for investment consists of both unsecuritized loans and loans held in our consolidated trusts. Table 6 summarizes by segment the carrying value of our loans held for investment, the allowance for credit losses and net loan balance as of March 31, 2026 and December 31, 2025.
Table 6: Loans Held for Investment
| March 31, 2026 | December 31, 2025 | |||||
|---|---|---|---|---|---|---|
| (Dollars in millions) | Loans | Allowance | Net Loans | Loans | Allowance | Net Loans |
| Credit Card | $270,558 | $(20,049) | $250,509 | $279,570 | $(20,066) | $259,504 |
| Consumer Banking | 86,873 | (2,047) | 84,826 | 84,790 | (1,892) | 82,898 |
| Commercial Banking | 90,323 | (1,534) | 88,789 | 89,262 | (1,451) | 87,811 |
| Total | $447,754 | $(23,630) | $424,124 | $453,622 | $(23,409) | $430,213 |
Loans held for investment decreased by $5.9 billion to $447.8 billion as of March 31, 2026 compared to December 31, 2025 primarily driven by seasonal paydowns in our credit card loan portfolio, partially offset by growth in our auto loan portfolio.
| 15 | Capital One Financial Corporation (COF) |
We provide additional information on the composition of our loan portfolio and credit quality in “Credit Risk Profile,” “Consolidated Results of Operations” and “Part I—Item 1. Financial Statements—Note 4—Loans.”
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