Bank of America California, N.A.
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. is the primary bank subsidiary of its parent holding company, headquartered in San Francisco, CA, during the Savings & Loan crisis era. Bank of America California's Q1 2026 balance sheet shows $15.1B in assets funded primarily by $12.6B in customer deposits. Earnings are mid-range — 0.73% ROA and a 1.77% net interest margin. Regulatory capital is solid — 37.26% CET1 and 37.55% total risk-based capital ratio. Asset quality is solid — 0.67% nonperforming loans and a 3.48% Texas Ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 555 California St, SAN FRANCISCO, CA 94104
- County
- San Francisco
- Metro Area
- LOS ANGELES-LONG BEACH-ANAHEIM, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 14
- Established
- May 18, 1984
- Branches
- 1 domestic
- FDIC Cert
- 25178
- Fed RSSD
- 1443266
- Website
- www.bankofamerica.com →
- Parent Holding Company
- BAC NORTH AMERICA HOLDING COMPANY (RSSD 1379552)
Capital & Liquidity
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Bank of America California, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- FDIC AssistanceOpen Bank AssistanceFDIC
- FailureFailure / assisted resolutionFDIC FAILURES
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
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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 Q1 2026 filing, Bank of America California, N.A. reported total assets of $15.13 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 37.26% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Bank of America California, N.A. operate?
Bank of America California, N.A. operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Bank of America California, N.A.'s Texas Ratio?
Bank of America California, N.A.'s Texas Ratio is 3.48% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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