Noninterest-bearing deposits
Capital One Financial Noninterest-bearing deposits increased by 2.0% to $27.94B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 5.4%, from $26.50B to $27.94B. Over 5 years (FY 2020 to FY 2025), Noninterest-bearing deposits shows a downward trend with a -2.5% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
An increase in these deposits lowers the overall cost of funds, which is positive for net interest margins, while a decrease forces the bank to rely on more expensive funding sources.
Detailed definition
Noninterest-bearing deposits are demand deposit accounts where the bank does not pay interest to the customer. These dep...
Peer comparison
High levels of noninterest-bearing deposits are a key competitive advantage and a sign of strong customer loyalty compared to peers.
fin_deposits_noninterest_bearingHistorical 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 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $34.99B | $36.80B | $38.04B | $37.78B | $37.00B | $34.39B | $32.20B | $31.19B | $29.31B | $28.79B | $28.02B | $27.62B | $27.01B | $26.38B | $26.12B | $26.50B | $27.88B | $27.65B | $27.39B | $27.94B |
| QoQ Change | — | +5.2% | +3.4% | -0.7% | -2.1% | -7.1% | -6.4% | -3.2% | -6.0% | -1.8% | -2.7% | -1.5% | -2.2% | -2.3% | -1.0% | +1.4% | +5.2% | -0.8% | -1.0% | +2.0% |
| YoY Change | — | — | — | — | +5.7% | -6.6% | -15.4% | -17.5% | -20.8% | -16.3% | -13.0% | -11.4% | -7.9% | -8.4% | -6.8% | -4.0% | +3.2% | +4.8% | +4.8% | +5.4% |
| % of Deposits | 11.4% | 12.0% | 12.2% | 12.1% | 12.0% | 10.8% | 9.7% | 8.9% | 8.5% | 8.3% | 8.0% | 7.9% | 7.7% | 7.5% | 7.2% | 7.2% | 6.0% | 5.9% | 5.8% | 5.7% |
| Share Change | — | +0.6pp | +0.2pp | -0.2pp | -0.0pp | -1.2pp | -1.2pp | -0.8pp | -0.4pp | -0.2pp | -0.3pp | -0.2pp | -0.2pp | -0.2pp | -0.3pp | +0.0pp | -1.3pp | -0.1pp | -0.1pp | -0.0pp |
Noninterest-bearing deposits at Other Companies
Frequently Asked Questions
- What is Capital One Financial's noninterest-bearing deposits?
- Capital One Financial (COF) reported noninterest-bearing deposits of $27.94B in Q1 2026.
- How has Capital One Financial's noninterest-bearing deposits changed year-over-year?
- Capital One Financial's noninterest-bearing deposits increased by 5.4% year-over-year, from $26.50B to $27.94B.
- What is the long-term trend for Capital One Financial's noninterest-bearing deposits?
- Over 5 years (2020 to 2025), Capital One Financial's noninterest-bearing deposits has grown at a -2.5% compound annual growth rate (CAGR), from $31.14B to $27.39B.
- What does noninterest-bearing deposits mean?
- Customer deposits that do not earn interest for the account holder.