Capital One Prime Auto Receivables Trust 2022-2
01/15/2026 | Press release | Distributed by Public on 01/15/2026 11:10
Asset-Backed Issuer Distribution Report (Form 10-D)
CAPITAL ONE PRIME AUTO RECEIVABLES TRUST 2022-2
Statement to Securityholders
Determination Date: January 12, 2026
| Payment Date | 1/15/2026 | ||||
| Collection Period Start | 12/1/2025 | ||||
| Collection Period End | 12/31/2025 | ||||
| Interest Period Start | 12/15/2025 | ||||
| Interest Period End | 1/14/2026 | ||||
| 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 | $ | 87,162,642.36 | $ | 23,490,872.51 | $ | 63,671,769.85 | 0.100778 | 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 | $ | 304,272,642.36 | $ | 23,490,872.51 | $ | 280,781,769.85 | |||||||||||
| Beginning Balance | Ending Balance | Pool Factor | |||||||||||||||
| Net Pool Balance | $ | 329,593,713.09 | $ | 304,286,332.48 | 0.147236 | ||||||||||||
| YSOC Amount | $ | 20,573,286.44 | $ | 18,756,778.34 | |||||||||||||
| Adjusted Pool Balance | $ | 309,020,426.65 | $ | 285,529,554.14 | |||||||||||||
| 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 | $ | - | 4.63385% | ACT/360 | $ | - | |||||||||||
| Class A-3 Notes | $ | 87,162,642.36 | 3.66000% | 30/360 | $ | 265,846.06 | |||||||||||
| 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 | $ | 304,272,642.36 | $ | 985,234.31 | |||||||||||||
II. COLLATERAL POOL BALANCE
| Beginning of Period | End of Period | |||||||
| Net Pool Balance | $ | 329,593,713.09 | $ | 304,286,332.48 | ||||
| Adjusted Pool Balance (Net Pool Balance - YSOC Amount) | $ | 309,020,426.65 | $ | 285,529,554.14 | ||||
| Number of Receivables Outstanding | 40,943 | 39,532 | ||||||
| Weighted Average Contract Rate | 3.59 % | % | 3.60 % | % | ||||
| Weighted Average Remaining Term (months) | 21.7 | 20.8 | ||||||
III. FUNDS AVAILABLE FOR DISTRIBUTION
| Available Funds: | |||||
| a. Collections | |||||
| Interest Collections | $ | 1,004,133.42 | |||
| Principal Collections | $ | 25,148,375.74 | |||
| Liquidation Proceeds | $ | 212,294.67 | |||
| b. Repurchase Price | $ | - | |||
| c. Optional Purchase Price | $ | - | |||
| d. Reserve Account Excess Amount | $ | - | |||
| Total Available Funds | $ | 26,364,803.83 | |||
| Reserve Account Draw Amount | $ | - | |||
| Total Funds Available for Distribution | $ | 26,364,803.83 | |||
IV. DISTRIBUTION
| Calculated Amount | Amount Paid | Shortfall | Carryover Shortfall | Remaining Available Funds | |||||||||||||
| Servicing Fee | $ | 274,661.43 | $ | 274,661.43 | $ | - | $ | - | $ | 26,090,142.40 | |||||||
| Interest - Class A-1 Notes | $ | - | $ | - | $ | - | $ | - | $ | 26,090,142.40 | |||||||
| Interest - Class A-2a Notes | $ | - | $ | - | $ | - | $ | - | $ | 26,090,142.40 | |||||||
| Interest - Class A-2b Notes | $ | - | $ | - | $ | - | $ | - | $ | 26,090,142.40 | |||||||
| Interest - Class A-3 Notes | $ | 265,846.06 | $ | 265,846.06 | $ | - | $ | - | $ | 25,824,296.34 | |||||||
| Interest - Class A-4 Notes | $ | 492,338.25 | $ | 492,338.25 | $ | - | $ | - | $ | 25,331,958.09 | |||||||
| First Allocation of Principal | $ | - | $ | - | $ | - | $ | - | $ | 25,331,958.09 | |||||||
| Interest - Class B Notes | $ | 67,608.33 | $ | 67,608.33 | $ | - | $ | - | $ | 25,264,349.76 | |||||||
| Second Allocation of Principal | $ | - | $ | - | $ | - | $ | - | $ | 25,264,349.76 | |||||||
| Interest - Class C Notes | $ | 73,941.67 | $ | 73,941.67 | $ | - | $ | - | $ | 25,190,408.09 | |||||||
| Third Allocation of Principal | $ | - | $ | - | $ | - | $ | - | $ | 25,190,408.09 | |||||||
| Interest - Class D Notes | $ | 85,500.00 | $ | 85,500.00 | $ | - | $ | - | $ | 25,104,908.09 | |||||||
| Fourth Allocation of Principal | $ | 18,743,088.22 | $ | 18,743,088.22 | $ | - | $ | - | $ | 6,361,819.87 | |||||||
| Reserve Account Deposit Amount | $ | - | $ | - | $ | - | $ | - | $ | 6,361,819.87 | |||||||
| Regular Principal Distribution Amount | $ | 4,747,784.29 | $ | 4,747,784.29 | $ | - | $ | - | $ | 1,614,035.58 | |||||||
| Owner Trustee, Indenture Trustee, and ARR Fees & Expenses | $ | - | $ | - | $ | - | $ | - | $ | 1,614,035.58 | |||||||
| Remaining Funds to Certificates | $ | 1,614,035.58 | $ | 1,614,035.58 | $ | - | $ | - | $ | - | |||||||
| Total | $ | 26,364,803.83 | $ | 26,364,803.83 | $ | - | $ | - | |||||||||
V. OVERCOLLATERALIZATION INFORMATION
| Yield Supplement Overcollateralization Amount: | |||||
| Beginning Period YSOC Amount | $ | 20,573,286.44 | |||
| Increase/(Decrease) | $ | (1,816,508.10) | |||
| Ending YSOC Amount | $ | 18,756,778.34 | |||
| Overcollateralization: | Beginning of Period | End of Period | ||||||
| Adjusted Pool Balance | $ | 309,020,426.65 | $ | 285,529,554.14 | ||||
| Note Balance | $ | 304,272,642.36 | $ | 280,781,769.85 | ||||
| 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
|
0.05% | 17 | $ | 159,004.87 | |||||||
|
Liquidation Proceeds of Defaulted Receivables2
|
0.07% | 275 | $ | 212,294.67 | |||||||
| Monthly Net Losses (Liquidation Proceeds) | $ | (53,289.80) | |||||||||
| Net Losses as % of Average Pool Balance (annualized) | |||||||||||
| Third Preceding Collection Period | (0.35)% | % | |||||||||
| Second Preceding Collection Period | (0.24)% | % | |||||||||
| Preceding Collection Period | (0.01)% | % | |||||||||
| Current Collection Period | (0.20)% | % | |||||||||
| Four-Month Average Net Loss Ratio | (0.20)% | % | |||||||||
| Cumulative Net Losses for All Periods | $ | 5,892,127.48 | |||||||||
| 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.
|
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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 | 0.56% | 157 | $ | 1,695,018.50 | |||||||
| 60-89 Days Delinquent | 0.22% | 60 | $ | 661,601.43 | |||||||
| 90-119 Days Delinquent | 0.09% | 22 | $ | 272,291.43 | |||||||
| 120+ Days Delinquent | 0.00% | 0 | $ | - | |||||||
| Total Delinquent Receivables | 0.86% | 239 | $ | 2,628,911.36 | |||||||
| Repossession Inventory: | # of Receivables | Principal Balance | |||||||||
| Repossessed in the Current Collection Period | 12 | $ | 138,237.04 | ||||||||
| Total Repossessed Inventory | 19 | $ | 212,754.04 | ||||||||
| 60+ Delinquency Percentage: | # of Receivables | Amount | |||||||||
| 60+ Day Delinquent Receivables | 82 | $ | 933,892.86 | ||||||||
| 60+ Delinquencies as % of EOP Net Pool Balance | |||||||||||
| Third Preceding Collection Period | 0.33 % | % | |||||||||
| Second Preceding Collection Period | 0.32 % | % | |||||||||
| Preceding Collection Period | 0.31 % | % | |||||||||
| Current Collection Period | 0.31 % | % | |||||||||
| 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 December 2025.
| Month-End Balance | # of Receivables | |||||||||||||
| ($MM) | (%) | (#) | (%) | |||||||||||
| Total Extensions | 0.81 | 0.27% | 76 | 0.19% | ||||||||||
Capital One Prime Auto Receivables Trust 2022-2 published this content on January 15, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on January 15, 2026 at 17:10 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]