Capital One Financial (COF) has $36.4 billion of loans outstanding in the three states hardest hit by superstorm Sandy but says is too soon to know what percentage those loans are at risk of default as a result of  the property damage.

In its quarterly report filed with the Securities and Exchange Commission Thursday, the McLean, Va., company said that it has $19.8 billion of consumer loans and $16.6 billion of commercial loans outstanding in New York, New Jersey and Connecticut. The $36.4 billion total is equal to nearly 18% of the loans the bank keeps on its books, according to the SEC filing.

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