CAPITAL ONE FINANCIAL CORP
For the period ended Jun 30, 2026. Filed Jul 28, 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.
Jun 30, 2026 · Filed Jul 28, 2026
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Regulatory Risk-Based Capital Components and Regulatory Capital Metrics
Table 14 presents regulatory capital under the Basel III standardized approach and regulatory capital metrics as of June 30, 2026 and December 31, 2025.
Table 14: Regulatory Risk-Based Capital Components and Regulatory Capital Metrics
| (Dollars in millions) | June 30, 2026 | December 31, 2025 |
|---|---|---|
| Regulatory capital under Basel III standardized approach | ||
| Common equity excluding AOCI | $114,686 | $113,677 |
| Adjustments and deductions: | ||
| AOCI, net of tax(1) | 62 | 81 |
| Goodwill, net of related deferred tax liabilities | (31,559) | (28,217) |
| Other intangible and deferred tax assets, net of deferred tax liabilities | (12,413) | (12,493) |
| Common equity Tier 1 capital | 70,776 | 73,048 |
| Tier 1 capital instruments | 5,407 | 5,407 |
| Tier 1 capital | 76,183 | 78,455 |
| Tier 2 capital instruments | 2,941 | 2,940 |
| Qualifying allowance for credit losses | 6,647 | 6,605 |
| Tier 2 capital | 9,588 | 9,545 |
| Total capital | $85,771 | $88,000 |
| Regulatory capital metrics | ||
| Risk-weighted assets | $516,287 | $511,794 |
| Adjusted average assets(2) | 643,349 | 629,997 |
| Total leverage exposure(3) | 753,394 | 737,911 |
(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.
Capital Planning and Regulatory Stress Testing
During the second quarter and first six months of 2026, we repurchased $2.7 billion and $5.2 billion of our common stock, respectively.
On February 4, 2026, the Federal Reserve notified all participating firms, including the Company, that because the Stress Testing Transparency Proposal remains subject to public comment, the Federal Reserve is maintaining stress capital buffer requirements for all such firms at their current levels. Consequently, absent further action from the Federal Reserve, the Company’s stress capital buffer requirement will remain at 4.5% until September 30, 2027. Therefore, the Company’s minimum capital requirements plus the standardized approach capital conservation buffer for CET1 capital, Tier 1 capital and total capital ratios under the stress capital buffer framework are 9.0%, 10.5% and 12.5%, respectively, for the period from October 1, 2025 through September 30, 2027.
On June 24, 2026, the Federal Reserve released the results of its supervisory stress tests for the 2026 cycle, which did not impact the Company’s stress capital buffer requirement.
For a description of the regulatory capital planning rules and stress testing requirements to which we are subject, see “Part I—Item 1. Business—Supervision and Regulation” in our 2025 Form 10-K and for additional information on the potential impacts of proposed amendments and recent regulatory developments, see “Part I—Item 2. MD&A—Supervision and Regulation” in our Q1 2026 Form 10-Q.
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