Capital One Prime Auto Receivables Trust 2022-1
02/17/2026 | Press release | Distributed by Public on 02/17/2026 11:03
Asset-Backed Issuer Distribution Report (Form 10-D)
CAPITAL ONE PRIME AUTO RECEIVABLES TRUST 2022-1
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 | $ | 2,025,808,403.15 | |||
| Cut-Off Date Adjusted Pool Balance | $ | 1,899,077,623.74 | |||
I. DEAL SUMMARY
|
Beginning Note Balance |
Principal Payment | Ending Note Balance | Note Factor | Final Scheduled Payment Date | |||||||||||||
| Class A-1 Notes | $ | - | $ | - | $ | - | - | May-23 | |||||||||
| Class A-2 Notes | $ | - | $ | - | $ | - | - | Jun-25 | |||||||||
| Class A-3 Notes | $ | 21,045,323.60 | $ | 20,469,925.86 | $ | 575,397.74 | 0.000868 | Apr-27 | |||||||||
| Class A-4 Notes | $ | 150,730,000.00 | $ | - | $ | 150,730,000.00 | 1.000000 | Sep-27 | |||||||||
| Class B Notes | $ | 18,990,000.00 | $ | - | $ | 18,990,000.00 | 1.000000 | Oct-27 | |||||||||
| Class C Notes | $ | 18,990,000.00 | $ | - | $ | 18,990,000.00 | 1.000000 | Dec-27 | |||||||||
| Class D Notes | $ | 18,980,000.00 | $ | - | $ | 18,980,000.00 | 1.000000 | Sep-28 | |||||||||
| Total Notes | $ | 228,735,323.60 | $ | 20,469,925.86 | $ | 208,265,397.74 | |||||||||||
| Beginning Balance | Ending Balance | Pool Factor | |||||||||||||||
| Net Pool Balance | $ | 244,589,895.94 | $ | 222,999,231.04 | 0.110079 | ||||||||||||
| YSOC Amount | $ | 11,106,878.28 | $ | 9,986,139.24 | |||||||||||||
| Adjusted Pool Balance | $ | 233,483,017.66 | $ | 213,013,091.80 | |||||||||||||
| Overcollateralization Amount (Adjusted Pool Balance - Note Balance) | $ | 4,747,694.06 | $ | 4,747,694.06 | |||||||||||||
| Reserve Account Balance | $ | 4,747,694.06 | $ | 4,747,694.06 | |||||||||||||
|
Beginning Note Balance |
Interest Rate | Accrual Methodology | Interest Payment | ||||||||||||||
| Class A-1 Notes | $ | - | 1.40500% | ACT/360 | $ | - | |||||||||||
| Class A-2 Notes | $ | - | 2.71000% | 30/360 | $ | - | |||||||||||
| Class A-3 Notes | $ | 21,045,323.60 | 3.17000% | 30/360 | $ | 55,594.73 | |||||||||||
| Class A-4 Notes | $ | 150,730,000.00 | 3.32000% | 30/360 | $ | 417,019.67 | |||||||||||
| Class B Notes | $ | 18,990,000.00 | 3.59000% | 30/360 | $ | 56,811.75 | |||||||||||
| Class C Notes | $ | 18,990,000.00 | 3.93000% | 30/360 | $ | 62,192.25 | |||||||||||
| Class D Notes | $ | 18,980,000.00 | 4.43000% | 30/360 | $ | 70,067.83 | |||||||||||
| Total Notes | $ | 228,735,323.60 | $ | 661,686.23 | |||||||||||||
II. COLLATERAL POOL BALANCE
| Beginning of Period | End of Period | |||||||
| Net Pool Balance | $ | 244,589,895.94 | $ | 222,999,231.04 | ||||
| Adjusted Pool Balance (Net Pool Balance - YSOC Amount) | $ | 233,483,017.66 | $ | 213,013,091.80 | ||||
| Number of Receivables Outstanding | 35,870 | 34,413 | ||||||
| Weighted Average Contract Rate | 3.64 | % | 3.65 | % | ||||
| Weighted Average Remaining Term (months) | 19.1 | 18.2 | ||||||
III. FUNDS AVAILABLE FOR DISTRIBUTION
| Available Funds: | |||||
| a. Collections | |||||
| Interest Collections | $ | 770,000.12 | |||
| Principal Collections | $ | 21,316,947.86 | |||
| Liquidation Proceeds | $ | 270,162.61 | |||
| b. Repurchase Price | $ | - | |||
| c. Optional Purchase Price | $ | - | |||
| d. Reserve Account Excess Amount | $ | - | |||
| Total Available Funds | $ | 22,357,110.59 | |||
| Reserve Account Draw Amount | $ | - | |||
| Total Funds Available for Distribution | $ | 22,357,110.59 | |||
IV. DISTRIBUTION
| Calculated Amount | Amount Paid | Shortfall | Carryover Shortfall | Remaining Available Funds | |||||||||||||
| Servicing Fee | $ | 203,824.91 | $ | 203,824.91 | $ | - | $ | - | $ | 22,153,285.68 | |||||||
| Interest - Class A-1 Notes | $ | - | $ | - | $ | - | $ | - | $ | 22,153,285.68 | |||||||
| Interest - Class A-2 Notes | $ | - | $ | - | $ | - | $ | - | $ | 22,153,285.68 | |||||||
| Interest - Class A-3 Notes | $ | 55,594.73 | $ | 55,594.73 | $ | - | $ | - | $ | 22,097,690.95 | |||||||
| Interest - Class A-4 Notes | $ | 417,019.67 | $ | 417,019.67 | $ | - | $ | - | $ | 21,680,671.28 | |||||||
| First Allocation of Principal | $ | - | $ | - | $ | - | $ | - | $ | 21,680,671.28 | |||||||
| Interest - Class B Notes | $ | 56,811.75 | $ | 56,811.75 | $ | - | $ | - | $ | 21,623,859.53 | |||||||
| Second Allocation of Principal | $ | - | $ | - | $ | - | $ | - | $ | 21,623,859.53 | |||||||
| Interest - Class C Notes | $ | 62,192.25 | $ | 62,192.25 | $ | - | $ | - | $ | 21,561,667.28 | |||||||
| Third Allocation of Principal | $ | - | $ | - | $ | - | $ | - | $ | 21,561,667.28 | |||||||
| Interest - Class D Notes | $ | 70,067.83 | $ | 70,067.83 | $ | - | $ | - | $ | 21,491,599.45 | |||||||
| Fourth Allocation of Principal | $ | 15,722,231.80 | $ | 15,722,231.80 | $ | - | $ | - | $ | 5,769,367.65 | |||||||
| Reserve Account Deposit Amount | $ | - | $ | - | $ | - | $ | - | $ | 5,769,367.65 | |||||||
| Regular Principal Distribution Amount | $ | 4,747,694.06 | $ | 4,747,694.06 | $ | - | $ | - | $ | 1,021,673.59 | |||||||
| Owner Trustee, Indenture Trustee, and ARR Fees & Expenses | $ | - | $ | - | $ | - | $ | - | $ | 1,021,673.59 | |||||||
| Remaining Funds to Certificates | $ | 1,021,673.59 | $ | 1,021,673.59 | $ | - | $ | - | $ | - | |||||||
| Total | $ | 22,357,110.59 | $ | 22,357,110.59 | $ | - | $ | - | |||||||||
V. OVERCOLLATERALIZATION INFORMATION
| Yield Supplement Overcollateralization Amount: | |||||
| Beginning Period YSOC Amount | $ | 11,106,878.28 | |||
| Increase/(Decrease) | $ | (1,120,739.04) | |||
| Ending YSOC Amount | $ | 9,986,139.24 | |||
| Overcollateralization: | Beginning of Period | End of Period | ||||||
| Adjusted Pool Balance | $ | 233,483,017.66 | $ | 213,013,091.80 | ||||
| Note Balance | $ | 228,735,323.60 | $ | 208,265,397.74 | ||||
| Overcollateralization (Adjusted Pool Balance - Note Balance) | $ | 4,747,694.06 | $ | 4,747,694.06 | ||||
| Target Overcollateralization Amount | $ | 4,747,694.06 | $ | 4,747,694.06 | ||||
| Overcollateralization Shortfall | $ | - | $ | - | ||||
VI. RESERVE ACCOUNT
| Specified Reserve Account Balance | $ | 4,747,694.06 | |||
| Beginning Reserve Account Balance | $ | 4,747,694.06 | |||
| Reserve Account Deposit Amount | $ | - | |||
| Reserve Account Draw Amount | $ | - | |||
| Reserve Account Excess Amount | $ | - | |||
| Ending Reserve Account Balance | $ | 4,747,694.06 | |||
VII. NET LOSS AND DELINQUENT RECEIVABLES
| Net Loss: | % of EOP Net Pool Balance | # of Receivables | Amount | ||||||||
|
Defaulted Receivables during Collection Period (Principal Balance)1
|
0.12% | 31 | $ | 273,717.04 | |||||||
|
Liquidation Proceeds of Defaulted Receivables2
|
0.12% | 248 | $ | 270,162.61 | |||||||
| Monthly Net Losses (Liquidation Proceeds) | $ | 3,554.43 | |||||||||
| Net Losses as % of Average Pool Balance (annualized) | |||||||||||
| Third Preceding Collection Period | 0.30 | % | |||||||||
| Second Preceding Collection Period | (0.52) | % | |||||||||
| Preceding Collection Period | (0.26) | % | |||||||||
| Current Collection Period | 0.02 | % | |||||||||
| Four-Month Average Net Loss Ratio | (0.12) | % | |||||||||
| Cumulative Net Losses for All Periods | $ | 5,029,017.36 | |||||||||
| Cumulative Net Loss Ratio | 0.25 | % | |||||||||
|
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.
|
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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 | 0.57% | 138 | $ | 1,279,614.99 | |||||||
| 60-89 Days Delinquent | 0.19% | 45 | $ | 420,677.43 | |||||||
| 90-119 Days Delinquent | 0.05% | 18 | $ | 120,591.67 | |||||||
| 120+ Days Delinquent | 0.00% | 0 | $ | - | |||||||
| Total Delinquent Receivables | 0.82% | 201 | $ | 1,820,884.09 | |||||||
| Repossession Inventory: | # of Receivables | Principal Balance | |||||||||
| Repossessed in the Current Collection Period | 7 | $ | 97,461.58 | ||||||||
| Total Repossessed Inventory | 15 | $ | 182,775.14 | ||||||||
| 60+ Delinquency Percentage: | # of Receivables | Amount | |||||||||
| 60+ Day Delinquent Receivables | 63 | $ | 541,269.10 | ||||||||
| 60+ Delinquencies as % of EOP Net Pool Balance | |||||||||||
| Third Preceding Collection Period | 0.30 | % | |||||||||
| Second Preceding Collection Period | 0.32 | % | |||||||||
| Preceding Collection Period | 0.31 | % | |||||||||
| Current Collection Period | 0.24 | % | |||||||||
| 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 | 0.60 | 0.27% | 55 | 0.16% | ||||||||||
Capital One Prime Auto Receivables Trust 2022-1 published this content on February 17, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on February 17, 2026 at 17:03 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]