# CAPITAL ONE BANK USA NA
GLEN ALLEN, VA · FDIC certificate 33954 · asset band >$100B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $127.60B | |
| Deposits | $88.53B | |
| Loans and leases | $109.80B | |
| Total equity | $16.99B | |
| Loans / deposits | 114.95% (p100 of band) | 70.29% |
| Liquid assets / assets | 12.52% (p3 of band) | |
| Uninsured deposits / deposits | 89.29% (p97 of band) | 45.40% |
| Brokered deposits | 7.02% | |
| Wholesale funding | 16.88% (p89 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.16% (p100 of band) | 8.56% |
| Unrealized securities loss / equity | -6.86% (p94 of band) | -30.95% |
| AOCI / equity | -19.31% (p37 of band) | |
| ROA (annualized) | 4.37% (p97 of band) | 1.01% |
| Net interest margin | 12.92% (p100 of band) | 2.68% |
| Efficiency ratio | 50.92% (p31 of band) | |
| Noncurrent loans | 1.52% (p97 of band) | 0.67% |
| Net charge-offs (annualized) | 1.98% (p100 of band) | |
| Reserve coverage of noncurrent | 482.19% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p10 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p7 of band) | |
| Deposits YoY | 23.0% | |
| Employees | 30046 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)
- **run vulnerability** (`liq_runrisk`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 | capital falling | brokered >10% |
| 2013-06 | 4 | deposits shrinking | capital falling |
| 2013-09 | 6 | uninsured deposits >50%, run vulnerability |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 6 |  |  |
| 2014-06 | 5 |  | run vulnerability |
| 2014-09 | 6 | capital falling |  |
| 2014-12 | 6 | run vulnerability | deposits shrinking |
| 2015-03 | 4 |  | capital falling, run vulnerability |
| 2015-06 | 5 | run vulnerability |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 6 | capital falling |  |
| 2016-09 | 5 |  | capital falling |
| 2016-12 | 7 | brokered >10%, noncurrent p90 |  |
| 2017-03 | 7 |  |  |
| 2017-06 | 6 |  | noncurrent p90 |
| 2017-09 | 7 | noncurrent p90 |  |
| 2017-12 | 7 |  |  |
| 2018-03 | 7 |  |  |
| 2018-06 | 7 |  |  |
| 2018-09 | 7 |  |  |
| 2018-12 | 7 |  |  |
| 2019-03 | 7 |  |  |
| 2019-06 | 6 |  | brokered >10% |
| 2019-09 | 7 | brokered >10% |  |
| 2019-12 | 6 |  | brokered >10% |
| 2020-03 | 8 | brokered >10%, losing money |  |
| 2020-06 | 8 | deposits shrinking, assets shrinking | run vulnerability, noncurrent p90 |
| 2020-09 | 8 |  |  |
| 2020-12 | 8 | run vulnerability, uninsured deposits leaving | brokered >10%, losing money |
| 2021-03 | 6 |  | run vulnerability, uninsured deposits leaving |
| 2021-06 | 5 | run vulnerability | deposits shrinking, assets shrinking |
| 2021-09 | 6 | capital falling |  |
| 2021-12 | 6 |  |  |
| 2022-03 | 6 | noncurrent p90 | capital falling |
| 2022-06 | 6 |  |  |
| 2022-09 | 6 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-07-29 [Capital One Announces Data Security Incident - PR Newswire](https://news.google.com/rss/articles/CBMiogFBVV95cUxQSDdiT2UteThDQS1ReHVpazlnVUJFUDQ2Ulh6dXp5QUh2b0s5RjNlNjVjTUlZdnd0TFVPWnVJY1RkUEh5QktvaC1IZ1RtXzdXODNCSS1zQkxNN2VYb2hESWZncVNtbm1nTkY0ei1qS2ZVeVg2TElfdk5reWIySlA3eFRZYXhqMkVwZVg4Z2lxSmVPQmU5UnQ1UTkwWUxIM0JmaEE?oc=5) · PR Newswire
- 2023-04-14 [Capital One Commits to Maintaining Sioux Falls Jobs and Adds 400 New Jobs - South Dakota State News (.gov)](https://news.google.com/rss/articles/CBMikgFBVV95cUxPNDVORWRrVWsyNFpfekpTekwxcDhuTm4wc2N3b2Z2NmNvRTEtUi01ZE9ZUVBJai15VmpjTEUycE1UMnFuVFBjdnVKWVdyNGdqcTRIRlRVb3FFTEVnWnZwVFhObzFWZEw0cU11blBRak1jQVd1a0tOSFV6RE9zOXZNY0ZyY3g4YUxkMW11UG83VDdsZw?oc=5) · South Dakota State News (.gov)
- 2015-10-07 [FinDEVr Live: Capital One Enables Continuous Integration and Delivery for Developers in Regulated Environments - Finovate](https://news.google.com/rss/articles/CBMiywFBVV95cUxQRzBSMElhTEhoQzRVdHZXRVV4NkdZNjhMSVdObGswZVNtNWxtdkxzWVctWEVYZFlPNmxqQk9Kd1FMT1RGZ3RLcmNEZngzWjJDaW8yeHZYN25tWF9GemRmc0V2bEdHNzhRd0tBVmc2QWxpbW1EVEFHNkUydFBZRkJNdUI4RllSc1hJeUxZVzFGU0ZhU1N5dlE0MFZwbnBtb2p2N0xVYmFKNUduWE10T2dHV2NHTFYxdVVoZ193Z2Y2dEh4ZWM4SS1hOHVXdw?oc=5) · Finovate
- 2022-10-13 [BJ’s Partners With Capital One on Upcoming Mastercard Program - Progressive Grocer](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZDFZWER1Wlp3bjBwQ0E1QnByMHpaU1V6QUNYWFRLWWxRekVNVGpqWGFwT1ZWbUI3clo5VV92S05SQ3VOUUE2U0djaEd5Zk9fNldUWVZuRlhMTDZIaDlBSURjNDI4Z2RsYVM1d1NpdUl0TElGaEhEcFBhYW5iY29nSGF5Tld5emhwUWc?oc=5) · Progressive Grocer
- 2025-03-31 [Capital One class action claims bank responsible for data breach - Top Class Actions](https://news.google.com/rss/articles/CBMixAFBVV95cUxOYTQ1cWx6WFZZQ0JnRTZfd0tBMm1kRHN5WjN1NHRnZGt0RURDa0xuZ0FHQkllVUhVUkhzbldjcXA5QVFvQU1DZEZ1dmFLTWYzZVNZZVQ4TVZYdEFSTldhV1V6UzRiZjhfR1ZmT01pNks3R3kwVnRrNjJtZjVpZFI5MGFKd2R1UXNGTDdUb1BvSzVpRFFwQTZ0c3d0cG5SeHV6clFBQXlHeFJRY0J4QXZfSEtJdk0xMzdNLUdiQUI2UFF1MDA1?oc=5) · Top Class Actions
- 2011-06-17 [Capital One to acquire ING Direct in $9 billion deal - Newark Post](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPS3liQkdWRG16WVJ3bnpOa0ktekU3NlJtS2pqRVY5ZUxlUTF6VWc5VXNpVUU4OEU4eDhLZG41TTQxUXhMdWtKVnNHZ1hPdGV1UnQxNkNaX0RnbHlSWnNKcjJqbHB3NnFVM0Z1ZFpjR19zeGU2cFdrQS0yNVVBeXMtaGxhS3NOQU9MeG1fLUtTYm43OVRpTl9wYkNoRlBieDFtVGktS1ZFVm03WlFxZXFYQ3pxd0pEMDRfU1JnX0F4eXVmNFpETFpvak5oYThUeXB5ZXRyamZzYzgtZ0tHc3c?oc=5) · Newark Post
- 2016-03-19 [Marion County court records, Feb. 29-March 18 - statesmanjournal.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPMHBqRlROaGJKT0x0SWJtV2JlNUdOY3FCNXBPT0NaMGFtS1V4Ym1YTEFpVHZpZldlU0xJc3ZuX1JWSGlidXQzaVQ3UmFBd3RMUzdEZkZtOEE1cENOWVlsSUJ5TmZfczZBaVU4dHdES1ZDVVE1RjVXV25ESWV5Tnd2ZlhkM09HMmhMQXJ2X1VMRmxwX3B3UkVEY2EwNVlnTzBPeDhVZA?oc=5) · statesmanjournal.com
- 2021-11-14 [Clerk of Court: Tax liens, judgment liens filed during October - The Daily Jeffersonian](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNZDVGTFFucml3S1pyWHhOeFMxR3Y5Q0N4RjJPdVJrNFd3TERfWGszNHh5cXYzejdpb1pqaHlJV0RuTl9FN1JyWHdZamxwZnNhT0xZZnZ0TTZ0YkRWTlVSWW9wcUlIZ3NfajE1SGNUQ2did1FFZDdNb3VUZDdNb3ZybTVlYlpJSW5jSE01Yi1ZS2MwYkNIb05HOW9SVXhGdjZmME1hLXo3VjYwTW90cG1yREVjVFFiRDUxYXBqVktzYjgzZw?oc=5) · The Daily Jeffersonian

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33954 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "33954", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide