CAPITAL ONE FINANCIAL CORP
For the period ended Jun 30, 2026. Filed Jul 28, 2026.
View on SEC.govAbout this filing
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.
Jun 30, 2026 · Filed Jul 28, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
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 “Part II—Item 8. Financial Statements and Supplementary Data—Note 1—Summary of Significant Accounting Policies” in our 2025 Form 10-K 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 June 30, 2026 and December 31, 2025. 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)
| June 30, 2026 | December 31, 2025 | |||
|---|---|---|---|---|
| (Dollars in millions) | Amount | Rate | Amount | Rate |
| Nonperforming loans held for investment:(2) | ||||
| Credit Card: | ||||
| Personal loans | $10 | 0.12% | $12 | 0.13% |
| International card businesses | 14 | 0.18 | 12 | 0.16 |
| Total credit card | 24 | 0.01 | 24 | 0.01 |
| Consumer Banking: | ||||
| Auto | 546 | 0.61 | 566 | 0.68 |
| Retail banking | 18 | 1.59 | 17 | 1.45 |
| Total consumer banking | 564 | 0.62 | 583 | 0.69 |
| Commercial Banking: | ||||
| Commercial and multifamily real estate | 443 | 1.29 | 320 | 0.95 |
| Commercial and industrial | 758 | 1.33 | 892 | 1.60 |
| Total commercial banking | 1,201 | 1.32 | 1,212 | 1.36 |
| Total nonperforming loans held for investment(3) | 1,789 | 0.39 | 1,819 | 0.40 |
| Other nonperforming assets(4) | 156 | 0.04 | 115 | 0.03 |
| Total nonperforming assets | $1,945 | 0.43 | $1,934 | 0.43 |
(1)We recognized interest income for loans classified as nonperforming of $23 million and $20 million in the first six months of 2026 and 2025, 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 0.90% and 0.95% as of June 30, 2026 and December 31, 2025, respectively.
(4)The denominators used in calculating nonperforming asset rates consist of total loans held for investment and other nonperforming assets.
| 46 | Capital One Financial Corporation (COF) |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.