Capital One Prime Auto Receivables Trust 2022-2
02/17/2026 | Press release | Distributed by Public on 02/17/2026 11:04
Asset-Backed Issuer Distribution Report (Form 10-D)
CAPITAL ONE PRIME AUTO RECEIVABLES TRUST 2022-2
Statement to Securityholders
Determination Date: February 11, 2026
| Payment Date | 2/17/2026 | ||||
| Collection Period Start | 1/1/2026 | ||||
| Collection Period End | 1/31/2026 | ||||
| Interest Period Start | 1/15/2026 | ||||
| Interest Period End | 2/16/2026 | ||||
| Cut-Off Date Net Pool Balance | $ | 2,066,663,591.84 | |||
| Cut-Off Date Adjusted Pool Balance | $ | 1,899,113,714.12 | |||
I. DEAL SUMMARY
|
Beginning Note Balance |
Principal Payment | Ending Note Balance | Note Factor | Final Scheduled Payment Date | |||||||||||||
| Class A-1 Notes | $ | - | $ | - | $ | - | - | Aug-23 | |||||||||
| Class A-2a Notes | $ | - | $ | - | $ | - | - | Sep-25 | |||||||||
| Class A-2b Notes | $ | - | $ | - | $ | - | - | Sep-25 | |||||||||
| Class A-3 Notes | $ | 63,671,769.85 | $ | 23,144,328.65 | $ | 40,527,441.20 | 0.064146 | May-27 | |||||||||
| Class A-4 Notes | $ | 160,110,000.00 | $ | - | $ | 160,110,000.00 | 1.000000 | Dec-27 | |||||||||
| Class B Notes | $ | 19,000,000.00 | $ | - | $ | 19,000,000.00 | 1.000000 | Jan-28 | |||||||||
| Class C Notes | $ | 19,000,000.00 | $ | - | $ | 19,000,000.00 | 1.000000 | Feb-28 | |||||||||
| Class D Notes | $ | 19,000,000.00 | $ | - | $ | 19,000,000.00 | 1.000000 | Nov-28 | |||||||||
| Total Notes | $ | 280,781,769.85 | $ | 23,144,328.65 | $ | 257,637,441.20 | |||||||||||
| Beginning Balance | Ending Balance | Pool Factor | |||||||||||||||
| Net Pool Balance | $ | 304,286,332.48 | $ | 279,416,530.37 | 0.135202 | ||||||||||||
| YSOC Amount | $ | 18,756,778.34 | $ | 17,031,304.88 | |||||||||||||
| Adjusted Pool Balance | $ | 285,529,554.14 | $ | 262,385,225.49 | |||||||||||||
| Overcollateralization Amount (Adjusted Pool Balance - Note Balance) | $ | 4,747,784.29 | $ | 4,747,784.29 | |||||||||||||
| Reserve Account Balance | $ | 4,747,784.29 | $ | 4,747,784.29 | |||||||||||||
|
Beginning Note Balance |
Interest Rate | Accrual Methodology | Interest Payment | ||||||||||||||
| Class A-1 Notes | $ | - | 2.87200% | ACT/360 | $ | - | |||||||||||
| Class A-2a Notes | $ | - | 3.74000% | 30/360 | $ | - | |||||||||||
| Class A-2b Notes | $ | - | 4.35735% | ACT/360 | $ | - | |||||||||||
| Class A-3 Notes | $ | 63,671,769.85 | 3.66000% | 30/360 | $ | 194,198.90 | |||||||||||
| Class A-4 Notes | $ | 160,110,000.00 | 3.69000% | 30/360 | $ | 492,338.25 | |||||||||||
| Class B Notes | $ | 19,000,000.00 | 4.27000% | 30/360 | $ | 67,608.33 | |||||||||||
| Class C Notes | $ | 19,000,000.00 | 4.67000% | 30/360 | $ | 73,941.67 | |||||||||||
| Class D Notes | $ | 19,000,000.00 | 5.40000% | 30/360 | $ | 85,500.00 | |||||||||||
| Total Notes | $ | 280,781,769.85 | $ | 913,587.15 | |||||||||||||
II. COLLATERAL POOL BALANCE
| Beginning of Period | End of Period | |||||||
| Net Pool Balance | $ | 304,286,332.48 | $ | 279,416,530.37 | ||||
| Adjusted Pool Balance (Net Pool Balance - YSOC Amount) | $ | 285,529,554.14 | $ | 262,385,225.49 | ||||
| Number of Receivables Outstanding | 39,532 | 38,036 | ||||||
| Weighted Average Contract Rate | 3.60 | % | 3.60 | % | ||||
| Weighted Average Remaining Term (months) | 20.8 | 20.0 | ||||||
III. FUNDS AVAILABLE FOR DISTRIBUTION
| Available Funds: | |||||
| a. Collections | |||||
| Interest Collections | $ | 940,808.00 | |||
| Principal Collections | $ | 24,639,189.73 | |||
| Liquidation Proceeds | $ | 225,865.25 | |||
| b. Repurchase Price | $ | - | |||
| c. Optional Purchase Price | $ | - | |||
| d. Reserve Account Excess Amount | $ | - | |||
| Total Available Funds | $ | 25,805,862.98 | |||
| Reserve Account Draw Amount | $ | - | |||
| Total Funds Available for Distribution | $ | 25,805,862.98 | |||
IV. DISTRIBUTION
| Calculated Amount | Amount Paid | Shortfall | Carryover Shortfall | Remaining Available Funds | |||||||||||||
| Servicing Fee | $ | 253,571.94 | $ | 253,571.94 | $ | - | $ | - | $ | 25,552,291.04 | |||||||
| Interest - Class A-1 Notes | $ | - | $ | - | $ | - | $ | - | $ | 25,552,291.04 | |||||||
| Interest - Class A-2a Notes | $ | - | $ | - | $ | - | $ | - | $ | 25,552,291.04 | |||||||
| Interest - Class A-2b Notes | $ | - | $ | - | $ | - | $ | - | $ | 25,552,291.04 | |||||||
| Interest - Class A-3 Notes | $ | 194,198.90 | $ | 194,198.90 | $ | - | $ | - | $ | 25,358,092.14 | |||||||
| Interest - Class A-4 Notes | $ | 492,338.25 | $ | 492,338.25 | $ | - | $ | - | $ | 24,865,753.89 | |||||||
| First Allocation of Principal | $ | - | $ | - | $ | - | $ | - | $ | 24,865,753.89 | |||||||
| Interest - Class B Notes | $ | 67,608.33 | $ | 67,608.33 | $ | - | $ | - | $ | 24,798,145.56 | |||||||
| Second Allocation of Principal | $ | - | $ | - | $ | - | $ | - | $ | 24,798,145.56 | |||||||
| Interest - Class C Notes | $ | 73,941.67 | $ | 73,941.67 | $ | - | $ | - | $ | 24,724,203.89 | |||||||
| Third Allocation of Principal | $ | - | $ | - | $ | - | $ | - | $ | 24,724,203.89 | |||||||
| Interest - Class D Notes | $ | 85,500.00 | $ | 85,500.00 | $ | - | $ | - | $ | 24,638,703.89 | |||||||
| Fourth Allocation of Principal | $ | 18,396,544.36 | $ | 18,396,544.36 | $ | - | $ | - | $ | 6,242,159.53 | |||||||
| Reserve Account Deposit Amount | $ | - | $ | - | $ | - | $ | - | $ | 6,242,159.53 | |||||||
| Regular Principal Distribution Amount | $ | 4,747,784.29 | $ | 4,747,784.29 | $ | - | $ | - | $ | 1,494,375.24 | |||||||
| Owner Trustee, Indenture Trustee, and ARR Fees & Expenses | $ | - | $ | - | $ | - | $ | - | $ | 1,494,375.24 | |||||||
| Remaining Funds to Certificates | $ | 1,494,375.24 | $ | 1,494,375.24 | $ | - | $ | - | $ | - | |||||||
| Total | $ | 25,805,862.98 | $ | 25,805,862.98 | $ | - | $ | - | |||||||||
V. OVERCOLLATERALIZATION INFORMATION
| Yield Supplement Overcollateralization Amount: | |||||
| Beginning Period YSOC Amount | $ | 18,756,778.34 | |||
| Increase/(Decrease) | $ | (1,725,473.46) | |||
| Ending YSOC Amount | $ | 17,031,304.88 | |||
| Overcollateralization: | Beginning of Period | End of Period | ||||||
| Adjusted Pool Balance | $ | 285,529,554.14 | $ | 262,385,225.49 | ||||
| Note Balance | $ | 280,781,769.85 | $ | 257,637,441.20 | ||||
| Overcollateralization (Adjusted Pool Balance - Note Balance) | $ | 4,747,784.29 | $ | 4,747,784.29 | ||||
| Target Overcollateralization Amount | $ | 4,747,784.29 | $ | 4,747,784.29 | ||||
| Overcollateralization Shortfall | $ | - | $ | - | ||||
VI. RESERVE ACCOUNT
| Specified Reserve Account Balance | $ | 4,747,784.29 | |||
| Beginning Reserve Account Balance | $ | 4,747,784.29 | |||
| Reserve Account Deposit Amount | $ | - | |||
| Reserve Account Draw Amount | $ | - | |||
| Reserve Account Excess Amount | $ | - | |||
| Ending Reserve Account Balance | $ | 4,747,784.29 | |||
VII. NET LOSS AND DELINQUENT RECEIVABLES
| Net Loss: | % of EOP Net Pool Balance | # of Receivables | Amount | ||||||||
|
Defaulted Receivables during Collection Period (Principal Balance)1
|
0.08% | 29 | $ | 230,612.38 | |||||||
|
Liquidation Proceeds of Defaulted Receivables2
|
0.08% | 274 | $ | 225,865.25 | |||||||
| Monthly Net Losses (Liquidation Proceeds) | $ | 4,747.13 | |||||||||
| Net Losses as % of Average Pool Balance (annualized) | |||||||||||
| Third Preceding Collection Period | (0.24) | % | |||||||||
| Second Preceding Collection Period | (0.01) | % | |||||||||
| Preceding Collection Period | (0.20) | % | |||||||||
| Current Collection Period | 0.02 | % | |||||||||
| Four-Month Average Net Loss Ratio | (0.11) | % | |||||||||
| Cumulative Net Losses for All Periods | $ | 5,896,874.61 | |||||||||
| Cumulative Net Loss Ratio | 0.29 | % | |||||||||
|
1 The # of Receivables reported as Defaulted does not include any Receivables that have been paid off or have matured and were either paid in full or had a remaining balance of $10.00 or less following the final payment.
|
|||||||||||
|
2 Liquidation Proceeds include all proceeds on a receivable after it has been charged-off.
|
|||||||||||
| Delinquent Receivables: | % of EOP Net Pool Balance | # of Receivables | Principal Balance | ||||||||
| 30-59 Days Delinquent | 0.49% | 132 | $ | 1,380,042.48 | |||||||
| 60-89 Days Delinquent | 0.25% | 61 | $ | 703,043.86 | |||||||
| 90-119 Days Delinquent | 0.07% | 15 | $ | 194,691.18 | |||||||
| 120+ Days Delinquent | 0.00% | 0 | $ | - | |||||||
| Total Delinquent Receivables | 0.82% | 208 | $ | 2,277,777.52 | |||||||
| Repossession Inventory: | # of Receivables | Principal Balance | |||||||||
| Repossessed in the Current Collection Period | 8 | $ | 95,046.35 | ||||||||
| Total Repossessed Inventory | 15 | $ | 193,096.41 | ||||||||
| 60+ Delinquency Percentage: | # of Receivables | Amount | |||||||||
| 60+ Day Delinquent Receivables | 76 | $ | 897,735.04 | ||||||||
| 60+ Delinquencies as % of EOP Net Pool Balance | |||||||||||
| Third Preceding Collection Period | 0.32 | % | |||||||||
| Second Preceding Collection Period | 0.31 | % | |||||||||
| Preceding Collection Period | 0.31 | % | |||||||||
| Current Collection Period | 0.32 | % | |||||||||
| Delinquency Trigger | 4.50 | % | |||||||||
| Current Delinquency Percentage Exceeds Delinquency Trigger? (Yes/No) | No | ||||||||||
VIII. TEMPORARY FORBEARANCE
The table below presents accounts which received a short-term payment extension in the month of January 2026.
| Month-End Balance | # of Receivables | |||||||||||||
| ($MM) | (%) | (#) | (%) | |||||||||||
| Total Extensions | 0.44 | 0.16% | 41 | 0.11% | ||||||||||
Capital One Prime Auto Receivables Trust 2022-2 published this content on February 17, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on February 17, 2026 at 17:04 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]