Commercial Banking — Net interest income (loss)
Capital One Financial Commercial Banking — Net interest income (loss) decreased by 2.0% to $574.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 2.2%, from $587.00M to $574.00M. Over 4 years (FY 2021 to FY 2025), Commercial Banking — Net interest income (loss) shows relatively stable performance with a 2.0% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
An increase suggests improved net interest margins or growth in the loan portfolio, while a decrease may indicate margin compression.
Detailed definition
The difference between the interest income earned on commercial loans and the interest expense paid on deposits and othe...
Peer comparison
A core metric for all commercial banks; directly comparable across the industry.
cof_segment_commercial_banking_net_interest_income_lossHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $460.00M | $578.00M | $595.00M | $607.00M | $635.00M | $699.00M | $520.00M | $648.00M | $632.00M | $621.00M | $617.00M | $599.00M | $609.00M | $596.00M | $587.00M | $572.00M | $602.00M | $586.00M | $574.00M |
| QoQ Change | — | +25.7% | +2.9% | +2.0% | +4.6% | +10.1% | -25.6% | +24.6% | -2.5% | -1.7% | -0.6% | -2.9% | +1.7% | -2.1% | -1.5% | -2.6% | +5.2% | -2.7% | -2.0% |
| YoY Change | — | — | — | — | +38.0% | +20.9% | -12.6% | +6.8% | -0.5% | -11.2% | +18.7% | -7.6% | -3.6% | -4.0% | -4.9% | -4.5% | -1.1% | -1.7% | -2.2% |
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Frequently Asked Questions
- What is Capital One Financial's commercial banking — net interest income (loss)?
- Capital One Financial (COF) reported commercial banking — net interest income (loss) of $574.00M in Q4 2025.
- How has Capital One Financial's commercial banking — net interest income (loss) changed year-over-year?
- Capital One Financial's commercial banking — net interest income (loss) decreased by 2.2% year-over-year, from $587.00M to $574.00M.
- What is the long-term trend for Capital One Financial's commercial banking — net interest income (loss)?
- Over 4 years (2021 to 2025), Capital One Financial's commercial banking — net interest income (loss) has grown at a 2.0% compound annual growth rate (CAGR), from $2.15B to $2.33B.
- What does commercial banking — net interest income (loss) mean?
- The profit earned from the difference between interest collected on loans and interest paid on deposits.