Bank of America California, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Bank of America California, N.A. is an FDIC-insured commercial bank headquartered in San Francisco, CA, supervised by the OCC, with $14.81B in total assets at Q2 2026, down 1.1% from Q2 2025, the 9th largest of 113 banks headquartered in California. It was established in 1984 and holds FDIC certificate 25178. Its CET1 capital ratio was 39.00% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 25178
- Headquarters
- San Francisco, CA
- Established
- 1984
- Total assets, Q2 2026
- $14.81B
- Assets vs Q2 2025
- -1.1%
- CET1 ratio, Q2 2026
- 39.00%
- Domestic offices
- 1 · Bank of America California, N.A. branches FDIC institution directory, current count
- Routing number
- 121141822
- Safety and soundness
- Is Bank of America California, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 031 · Bank of America California, N.A. call report
- Holding company
- BAC NORTH AMERICA HOLDING COMPANY
- Asset rank in state
- 9th of 113 in California
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 124 banks with $10 billion to $100 billion in assets (median 11.3%). 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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of America California, N.A. is the 9th largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $14.81B, loans fell 3.2% and deposits fell 2.6%. 1-4 family residential loans made up 100.0% of its total loans on June 30, 2026, its largest category. Its one office in the FDIC Summary of Deposits is in San Francisco, CA. By the capital ratios in its Q2 2026 call report, Bank of America California, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 1 FDIC institution directory, current count
- 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)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Brian T Moynihan | CEO | Chair and CEO |
| Bernard A Mensah | PRES | President, International |
| Alastair M Borthwick | CFO | Executive Vice President & CFO |
| Thomas M Scrivener | COO | Chief Operations Executive |
| Geoffrey S Greener | CRO | Chief Risk Officer |
| Lauren A Mogensen | GC | Global General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of America California, N.A.'s total assets moved between a low of $14.67B (Q1 2024) and a high of $16.20B (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$14.81B total assets against $14.98B; $12.87B total liabilities against $13.14B.
$9.42B net loans and leases against $10.75B; $12.31B total deposits against $12.60B.
$0 securities against $0; $5.31B cash and balances due against $4.15B.
$137.0M total interest income against $144.0M; $71.0M total interest expense against $85.0M.
$66.0M net interest income against $59.0M.
$1.0M total noninterest income against $1.0M; $28.0M total noninterest expense against $29.0M.
-$1.0M provision for credit losses against -$1.0M.
$30.0M net income against $23.0M.
0.77% return on assets against 0.60%; 1.69% net interest margin against 1.53%.
39.00% CET1 capital ratio against 33.59%; 12.41% tier 1 leverage ratio against 11.96%.
Inside the full Bank of America California, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 28 of 2,134, for CET1 ratio; its furthest is 956 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.18% (Q3 2024) to 0.77% (Q2 2026) and its net interest margin ran from 0.82% (Q3 2024) to 1.77% (Q1 2026).
| 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% | 0.69% | 3.69% | 1.67% |
| Q3 2025 | 35.43% | 0.40% | 0.73% | 4.05% | 1.50% |
| Q2 2025 | 33.59% | 0.60% | 0.70% | 4.14% | 1.53% |
| Q1 2025 | 32.76% | 0.55% | 0.67% | 3.86% | 1.49% |
| Q4 2024 | 32.18% | 0.68% | 0.75% | 4.41% | 1.16% |
| Q3 2024 | 30.61% | 0.18% | 0.73% | 4.48% | 0.82% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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
- 24,476 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Bank of America California, N.A. headquartered?
It is headquartered in San Francisco, CA, United States.
When was Bank of America California, N.A. founded?
It was established in 1984, per the FDIC institution directory.
Is Bank of America California, N.A. FDIC-insured?
Yes. It 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.
What is Bank of America California, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 3.27% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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