Bank of America California, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of America California, N.A. of San Francisco, CA against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.77% | 1.40% | -0.63% | 13th bottom |
| ROAE | 6.22% | 12.27% | -6.05% | 11th bottom |
| Net Interest Margin | 1.69% | 3.83% | -2.14% | 3rd bottom |
| Efficiency Ratio | 41.79% | 54.33% | -12.54% | 87th top |
| PPNR / Avg Assets | 1.00% | 2.05% | -1.05% | 8th bottom |
| Yield on Earning Assets | 3.51% | 5.73% | -2.22% | 2nd bottom |
| Cost of Funds | 2.08% | 2.03% | +0.05% | 39th below |
| Net Interest Spread | 1.32% | 3.14% | -1.82% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.66% | 0.98% | -0.32% | 67th above |
| NPA / Total Assets | 0.43% | 0.72% | -0.29% | 66th above |
| NCO / Avg Loans | -0.04% | 0.33% | -0.37% | 98th top |
| ACL / Total Loans | 0.15% | 1.40% | -1.25% | 2nd bottom |
| ACL / NPLs (Coverage) | 22.58% | 236.91% | -214.33% | 0th bottom |
| Texas Ratio | 3.27% | 8.91% | -5.64% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 68.89% | 15.25% | +53.64% | 99th top |
| Tier 1 Ratio | 68.89% | 15.38% | +53.51% | 99th top |
| Total Capital Ratio | 69.06% | 16.51% | +52.55% | 99th top |
| Leverage Ratio | 12.41% | 10.49% | +1.92% | 90th top |
| Equity / Assets | 13.12% | 11.70% | +1.42% | 75th top |
| TCE / Tangible Assets | 13.12% | 9.70% | +3.42% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.69% | 84.64% | -7.95% | 77th top |
| Core Deposit Ratio | 77.47% | 86.68% | -9.21% | 14th bottom |
| Uninsured Deposit Ratio | 6.16% | 37.07% | -30.91% | 94th top |
| Wholesale Funding Ratio | 3.38% | 5.86% | -2.48% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.13% | 12.03% | -13.16% | 11th bottom |
| Loan Growth (Y/Y) | -12.34% | 11.54% | -23.88% | 2nd bottom |
| Deposit Growth (Y/Y) | -2.33% | 11.44% | -13.77% | 8th bottom |
See Bank of America California, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of America California, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of America California, N.A. profile, how to read a UBPR, or how this data updates.