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Capital One vs. Chase: how the two banks compare
Chase has about 6.2 times the total assets of Capital One, according to FDIC call report data as of 06/30/2026. Chase operates more offices (5,414 vs. 251), and the two banks overlap in 9 states and territories where both have branches.
This comparison uses only public FDIC BankFind data. It does not rank or recommend either bank, and it does not cover account rates, fees, apps, or customer service. Both banks are trademarks of their owners; BankNearMe.com is not affiliated with either.
Side-by-side FDIC data
| Capital One | Chase | |
|---|---|---|
| Legal name | Capital One, National Association | JPMorgan Chase Bank, National Association |
| FDIC certificate | #4297 | #628 |
| Main office (charter address) Where the bank is chartered, not necessarily its corporate headquarters | Mclean, VA | Columbus, OH |
| Established Per FDIC records | 1933 | 1824 |
| Holding company As listed by the FDIC | CAPITAL ONE FINANCIAL CORP | JPMORGAN CHASE&CO |
| Primary federal regulator | Office of the Comptroller of the Currency (OCC) | Office of the Comptroller of the Currency (OCC) |
| Total assets | $662.2B | $4.09T |
| Total deposits | $512.6B | $2.82T |
| Net income, year to date Through 06/30/2026 | $5.6B | $31.3B |
| Return on assets (ROA) Annualized | 1.67% | 1.59% |
| Return on equity (ROE) Annualized | 11.35% | 18.55% |
| Offices | 251 | 5,414 |
| Deposits per office Total deposits divided by offices | $2.0B | $521M |
| States and territories with branches Including D.C. | 9 | 49 |
Financial data from the 06/30/2026 FDIC call report; branch locations from the FDIC BankFind locations index (updated 2026-11-06). Dollar figures are rounded.
Where each bank has branches
Both banks (9): Connecticut, Delaware, District of Columbia, Louisiana, Maryland, New Jersey, New York, Texas, Virginia
Only Capital One (0): None
Only Chase (40): Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming
Branch counts in the top 15 states
| State | Capital One | Chase |
|---|---|---|
| California | 0 | 855 |
| New York | 76 | 580 |
| Texas | 21 | 488 |
| Florida | 0 | 439 |
| Illinois | 0 | 264 |
| Ohio | 0 | 235 |
| New Jersey | 16 | 188 |
| Arizona | 0 | 188 |
| Michigan | 0 | 171 |
| Louisiana | 64 | 104 |
| Washington | 0 | 148 |
| Indiana | 0 | 123 |
| Georgia | 0 | 118 |
| Pennsylvania | 0 | 109 |
| Colorado | 0 | 108 |
Counts are FDIC-reported branch locations by state. To see the specific branches near you, search Capital One locations or search Chase locations by ZIP or city.
What these numbers mean
- Total assets measure overall size: loans, securities, and cash the bank holds.
- Return on assets shows how much profit a bank earns per dollar of assets; return on equity shows profit relative to shareholders' capital. Both are annualized figures from the call report.
- Office count is a rough guide to in-person access, but what matters most is whether a branch is near where you live and work.
- Size doesn't change FDIC coverage. Every insured bank's deposits are covered up to $250,000 per depositor, per bank, per ownership category.
What FDIC data doesn't tell you
Account APYs, monthly fees, overdraft policies, ATM networks, and app quality aren't in FDIC data. Compare those on each bank's own disclosures, and check today's national average savings and CD rates or the best nationwide CD rates before you choose. Our CD calculator and savings calculator show what a given APY earns.
Frequently asked questions
Which is bigger, Capital One or Chase?
By total assets, Chase is larger: $4.09T vs. $662.2B for Capital One, as of the 06/30/2026 FDIC call report. By deposits it is $512.6B for Capital One and $2.82T for Chase.
Which has more branches, Capital One or Chase?
Chase reports 5,414 offices to the FDIC, compared with 251 for Capital One. Capital One has branches in 9 states and territories (including D.C.) and Chase in 49.
Are Capital One and Chase FDIC-insured?
Yes. Capital One, National Association (FDIC Cert #4297) and JPMorgan Chase Bank, National Association (FDIC Cert #628) are both active FDIC-insured banks. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, so money at the two banks is insured separately.
Is Capital One or Chase better for me?
FDIC data shows size, reach, and financial results, not account rates, fees, or service quality. Compare the specific account's APY, monthly fees, minimums, and the branches near you, and check the national averages on our rates page.
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Sources: FDIC BankFind Suite API (institutions and locations), Capital One on FDIC BankFind, Chase on FDIC BankFind; deposit insurance limits from FDIC.gov. Educational only; not financial advice.