Diagnose/Capital One, National Association

Capital One, National Association — Illustrative Re-Rating (public FDIC data, not CSI)

DRAFTComposite 2 — Satisfactory

Imported from FDIC public data · cert 4297 · financials as of Q1 2026 · Mclean, VA

Profile and the ratios below are real public call-report data. Component conditions are suggested from these ratios; ratings and findings are illustrative — not the bank's actual supervisory data (CSI).

Total capital (RBC)

15.41%

Tier 1 capital

13.73%

Noncurrent loans

1.67%

ROA

1.39%

Loans / deposits

81.47%

Total findings

Material / noncompliance

Discountable %

67%

Findings (9)

Comp	Description	Nature	Sev	Status	Ref
A	ILLUSTRATIVE: Asset quality deterioration in the loan portfolio exceeds peer benchmarks without commensurate reserve build.	Material Financial Risk	2	Open	—
S	ILLUSTRATIVE: Interest-rate sensitivity model underestimates economic value of equity impact under a +300bp shock.	Material Financial Risk	1	Open	—
M	ILLUSTRATIVE: BSA/AML program lacks an adequate customer risk-rating methodology.	Significant Noncompliance	1	In Remediation	—
C	ILLUSTRATIVE: Capital planning process does not formally document stress scenario selection rationale.	Process/Governance	1	Open	—
A	ILLUSTRATIVE: Loan review documentation lacks a consistent format for criticizing credits.	Documentation	1	Open	—
E	ILLUSTRATIVE: Earnings forecasting model lacks a formal governance and validation schedule.	Process/Governance	1	Open	—
L	ILLUSTRATIVE: Contingency funding plan not tested under a deposit-runoff scenario in the prior 12 months.	Process/Governance	1	Open	—
M	ILLUSTRATIVE: Board risk committee charter does not specify quorum and voting requirements.	Process/Governance	1	Open	—
S	ILLUSTRATIVE: Market risk policy requires update to reflect the current product mix and hedging strategies.	Documentation	1	Open	—