BANK OF AMERICA, NATIONAL ASSOCIATION

CHARLOTTE, NC | National | Est. Oct. 17, 1904, midnight | FDIC #3510 | RSSD #480228 | OCC
Latest Report: 2025-12-31

BANK OF AMERICA, NATIONAL ASSOCIATION is ann national FDIC-insured commercial bank headquartered in CHARLOTTE, NC, established in Oct. 17, 1904, midnight. As of 2025-12-31, the bank reported total assets of $2.6T and total deposits of $2.1T. Profitability stands at 1.19% ROA and 12.61% ROE, with a net interest margin of 2.53%. The bank's CET1 capital ratio is 12.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 2.45%. FDIC Certificate #3510.

Assets

$2.6T

Deposits

$2.1T

Loans

$1.2T

Equity

$246.2B

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 12.61%
Net Interest Margin (NIM) 2.53%
Yield on Assets 4.24%
Cost of Funds 4.36%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio 0.48%
Texas Ratio 2.45%
NPA Ratio 0.24%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 12.47%
Tier 1 Capital 12.47%
Total Capital Ratio 13.51%
Leverage Ratio 7.36%
Loan-to-Deposit 56.14%

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