Bank of America California, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of America California received FDIC open-bank assistance in January 2009, one of the rare cases where the FDIC intervened to preserve operations rather than close the bank. Bank of America California, N.A., based in San Francisco, California, reported $14.8 billion in assets at June 30, 2026, down 1.1% from a year earlier. It returns 6.2% a year on shareholders' equity, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 11.1%). It also keeps 1.69 cents of net interest income on every dollar of earning assets, about half the median of 3.63 cents for banks its size.
Earnings jumped: net income for the quarter was $30 million, 30% above the same quarter a year earlier. Over the same year, loans shrank 12.3% and deposits shrank 2.3%.
As of June 30, 2026, Bank of America California, N.A. reported a CET1 capital ratio of 39.00%, a return on assets of 0.77%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 3.27%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 555 California St, San Francisco, CA 94104
- County
- San Francisco
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- May 18, 1984
- Former names
- Bank of America Community Development Bank, National Association (2000); Bank of America Community Development Bank (1993-2000)
- Offices
- 1 domestic
- Domestic deposits
- $12.31B
- Allowance for credit losses
- $14.0M
- Net charge-offs (YTD)
- -$1.0M
- Average total assets
- $15.66B
- Average total loans
- $10.34B
- Average interest-bearing deposits
- $12.41B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 18, 1984
- FDIC Cert
- 25178
- Fed RSSD
- 1443266
- SEC CIK
- 70858 → filed by BANK OF AMERICA CORPORATION
- Website
- www.bankofamerica.com →
- Parent Holding Company
- BAC NORTH AMERICA HOLDING COMPANY (RSSD 1379552)
- Ultimate Parent
- BANK OF AMERICA CORPORATION (RSSD 1073757)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.00% | 0.77% | 0.66% | 3.27% | 1.69% |
| Q1 2026 | 37.26% | 0.73% | 0.67% | 3.48% | 1.77% |
| Q4 2025 | 36.85% | 0.63% | 0.70% | 3.69% | 1.67% |
| Q3 2025 | 35.43% | 0.40% | 0.74% | 4.05% | 1.50% |
| Q2 2025 | 33.59% | 0.60% | 0.71% | 4.14% | 1.53% |
| Q1 2025 | 32.76% | 0.55% | 0.68% | 3.86% | 1.49% |
| Q4 2024 | 32.18% | 0.68% | 0.76% | 4.41% | 1.16% |
| Q3 2024 | 30.61% | 0.18% | 0.74% | 4.48% | 0.82% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of America California, N.A. (main office) | San Francisco , CA | 94104 | $12.31B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 16, 2009 | FDIC Assistance | Open Bank Assistance | FDIC |
| September 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 1993 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| May 18, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Bank of America California, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 7 against the institution (Federal Reserve); 2 against individuals associated with it
- May 20, 2015, Federal Reserve: Cease and Desist Order: BANK OF AMERICA CORPORATION, Charlotte, North Carolina
- May 20, 2015, Federal Reserve: Civil Money Penalty, $205,000,000: BANK OF AMERICA CORPORATION, Charlotte, North Carolina
- February 28, 2013, Federal Reserve: Amendment to 4/13/2011 Order to Cease and Desist: BANK OF AMERICA CORPORATION, Charlotte, North Carolina
- February 9, 2012, Federal Reserve: Civil Money Penalty, $175,500,000: Bank of America Corporation, Charlotte, North Carolina
- April 13, 2011, Federal Reserve: Cease and Desist Order: Bank of America Corporation, Charlotte, North Carolina
- Period: Most recent institution action May 20, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in CA, rank 20 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $200K approved, $100K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 24,428 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of America California, N.A.
What are Bank of America California, N.A.'s total assets?
As of the Q2 2026 filing, Bank of America California, N.A. reported total assets of $14.81 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of America California, N.A. headquartered?
Bank of America California, N.A. is headquartered in San Francisco, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of America California, N.A. founded?
Bank of America California, N.A. was established in 1984, per the FDIC institution directory.
Is Bank of America California, N.A. FDIC-insured?
Yes. Bank of America California, N.A. is an FDIC-insured commercial bank (FDIC Certificate #25178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of America California, N.A.?
Bank of America California, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of America California, N.A.'s CET1 capital ratio?
Bank of America California, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 39.00% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of America California, N.A. operate?
Bank of America California, N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of America California, N.A.'s Texas Ratio?
Bank of America California, N.A.'s Texas Ratio is 3.27% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Bank of America California, N.A. previously called?
The charter now named Bank of America California, N.A. has also operated as Bank of America Community Development Bank, National Association (2000), Bank of America Community Development Bank (1993-2000), per FDIC structure-change records.
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