Bank of America California, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Common equity tier 1 ratio climbed 1.85 percentage points in Q2 2026, from 67.04% to 68.89%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Bank of America California, N.A. ranks 3rd highest among the 74 banks headquartered in California, at 68.89% (Q2 2026). Against a median of 12.96% for banks in the $10B-100B asset tier, Bank of America California, N.A. reported 68.89% on CET1 ratio in Q2 2026, 55.93 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 68.89% |
| Tier 1 risk-based capital ratio | 68.89% |
| Total risk-based capital ratio | 69.06% |
| Tier 1 leverage ratio | 12.41% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.94B |
| Tier 1 capital | $1.94B |
| Total risk-based capital | $1.96B |
| Total equity capital | $1.94B |
| Risk-weighted assets | $4.99B |
Ratios recomputed from the amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital / risk-weighted assets | 39.00% |
| Tier 1 capital / risk-weighted assets | 39.00% |
| Total risk-based capital / risk-weighted assets | 39.28% |
For this bank the reported ratios above do not equal the capital amounts divided by risk-weighted assets. Large banks can report risk-based capital under more than one regulatory approach, and the reported ratio and the risk-weighted assets shown here may come from different approaches. These rows divide the reported capital amounts by the reported risk-weighted assets. The lower of the two figures is the more conservative reading.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.12% |
| Tangible equity to tangible assets | 13.12% |
| Equity capital to average assets | 12.41% |
| Internal capital growth rate | 6.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $22.0M |
| Common stock surplus | $4.0M |
| Retained earnings | $1.92B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 67.42% | 67.42% | 67.42% | 14.58% | $6.39B |
| Q4 2023 | 67.34% | 67.34% | 67.43% | 14.48% | $6.26B |
| Q1 2024 | 70.18% | 70.18% | 70.37% | 15.07% | $6.10B |
| Q2 2024 | 55.25% | 55.25% | 55.41% | 12.03% | $5.95B |
| Q3 2024 | 57.23% | 57.23% | 57.39% | 11.34% | $5.80B |
| Q4 2024 | 60.07% | 60.07% | 60.27% | 11.00% | $5.60B |
| Q1 2025 | 61.43% | 61.43% | 61.67% | 11.44% | $5.57B |
| Q2 2025 | 61.28% | 61.28% | 61.48% | 11.96% | $5.50B |
| Q3 2025 | 64.72% | 64.72% | 64.89% | 12.41% | $5.26B |
| Q4 2025 | 65.92% | 65.92% | 66.10% | 12.28% | $5.12B |
| Q1 2026 | 67.04% | 67.04% | 67.25% | 12.41% | $5.14B |
| Q2 2026 | 68.89% | 68.89% | 69.06% | 12.41% | $4.99B |
Bank of America California, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of America California, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of America California, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25178) · FFIEC NIC profile (RSSD 1443266)