Bank of America California, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The largest change between Q1 2026 and Q2 2026 was in Loans to total assets, which fell 0.72 percentage points to 63.71%. Bank of America California, N.A. ranks 88th of 114 California banks on loan-to-deposit ratio, in the lower half at 76.69% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Bank of America California, N.A. sits 10.14 points lower, at 76.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.44B |
| Net loans and leases | $9.42B |
| Loans held for sale | $0 |
| Loans to total assets | 63.71% |
| Loan-to-deposit ratio | 76.69% |
| Net loans to equity capital | 4.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 3.44% |
| Interest income on loans | $89.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $12.11B | $7.62B | 0.00% | 0.00% | 0.00% |
| Q4 2023 | $11.76B | $11.61B | 0.00% | 0.00% | 0.00% |
| Q1 2024 | $11.52B | $10.91B | 0.00% | 0.00% | 0.00% |
| Q2 2024 | $11.24B | $11.72B | 0.00% | 0.00% | 0.00% |
| Q3 2024 | $10.95B | $13.22B | 0.00% | 0.00% | 0.00% |
| Q4 2024 | $10.67B | $12.69B | 0.00% | 0.00% | 0.00% |
| Q1 2025 | $10.59B | $13.31B | 0.00% | 0.00% | 0.00% |
| Q2 2025 | $10.77B | $12.60B | 0.00% | 0.00% | 0.00% |
| Q3 2025 | $9.99B | $12.62B | 0.00% | 0.00% | 0.00% |
| Q4 2025 | $9.73B | $13.09B | 0.00% | 0.00% | 0.00% |
| Q1 2026 | $9.74B | $12.64B | 0.00% | 0.00% | 0.00% |
| Q2 2026 | $9.44B | $12.31B | 0.00% | 0.00% | 0.00% |
Bank of America California, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of America California, N.A., freeSource: Call Report Schedule RC-C, 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)