Commercial Banking — Non-interest expense
Capital One Financial Commercial Banking — Non-interest expense decreased by 3.1% to $504.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 2.7%, from $518.00M to $504.00M. Over 4 years (FY 2021 to FY 2025), Commercial Banking — Non-interest expense shows an upward trend with a 2.4% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
Lower expenses relative to revenue indicate higher operational efficiency, while rising expenses may signal investment in growth or inefficiency.
Detailed definition
The operating costs incurred by the commercial banking segment, including personnel, technology, occupancy, and administ...
Peer comparison
Comparable to 'Non-Interest Expense' or 'Operating Expenses' at peer banks.
cof_segment_commercial_banking_non_interest_expenseHistorical 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 | $417.00M | $459.00M | $520.00M | $488.00M | $485.00M | $542.00M | $555.00M | $530.00M | $482.00M | $512.00M | $487.00M | $515.00M | $483.00M | $495.00M | $518.00M | $486.00M | $489.00M | $520.00M | $504.00M |
| QoQ Change | — | +10.1% | +13.3% | -6.2% | -0.6% | +11.8% | +2.4% | -4.5% | -9.1% | +6.2% | -4.9% | +5.7% | -6.2% | +2.5% | +4.6% | -6.2% | +0.6% | +6.3% | -3.1% |
| YoY Change | — | — | — | — | +16.3% | +18.1% | +6.7% | +8.6% | -0.6% | -5.5% | -12.3% | -2.8% | +0.2% | -3.3% | +6.4% | -5.6% | +1.2% | +5.1% | -2.7% |
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Frequently Asked Questions
- What is Capital One Financial's commercial banking — non-interest expense?
- Capital One Financial (COF) reported commercial banking — non-interest expense of $504.00M in Q4 2025.
- How has Capital One Financial's commercial banking — non-interest expense changed year-over-year?
- Capital One Financial's commercial banking — non-interest expense decreased by 2.7% year-over-year, from $518.00M to $504.00M.
- What is the long-term trend for Capital One Financial's commercial banking — non-interest expense?
- Over 4 years (2021 to 2025), Capital One Financial's commercial banking — non-interest expense has grown at a 2.4% compound annual growth rate (CAGR), from $1.82B to $2.00B.
- What does commercial banking — non-interest expense mean?
- The total operating costs to run the commercial banking business, excluding interest expenses.