Bank of America, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Bank of America, N.A. is an FDIC-insured commercial bank headquartered in Charlotte, NC, supervised by the OCC, with $2.65T in total assets at Q2 2026, down 0.4% from Q2 2025, the largest of 38 banks headquartered in North Carolina. It was established in 1904 and holds FDIC certificate 3510. Its CET1 capital ratio was 12.10% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3510
- Headquarters
- Charlotte, NC
- Established
- 1904
- Total assets, Q2 2026
- $2.65T
- Assets vs Q2 2025
- -0.4%
- CET1 ratio, Q2 2026
- 12.10%
- Domestic offices
- 3,598 · Bank of America, N.A. branches FDIC institution directory, current count
- Routing number
- 053000196
- Safety and soundness
- Is Bank of America, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 031 · Bank of America, N.A. call report
- Holding company
- BAC NORTH AMERICA HOLDING COMPANY
- Asset rank in state
- 1st of 38 in North Carolina
Bank of America 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, N.A. is the 2nd-largest bank in the United States, with $2.65 trillion in assets at June 30, 2026. It is headquartered in Charlotte, North Carolina, and operates 3,598 domestic branches. It funds 7.11% of its assets with Tier 1 capital, lower than about three-quarters of the 18 US banks with $250 billion or more in assets (median 9.14%). It also grew its loan book 6.0% over the year, lower than about three-quarters of banks its size (median 10.9%).
Its securities portfolio is underwater by $84.2 billion, an amount equal to 45% of Tier 1 capital. Loans are outrunning deposits: over the year loans rose 6.0% and deposits rose 0.6%.
As of June 30, 2026, Bank of America, N.A. reported a CET1 capital ratio of 12.10%, a return on assets of 1.12%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 3.96%. The figures come from its call report filed with the FFIEC.
Of the 38 banks headquartered in North Carolina, Bank of America, N.A. is the largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $2.65T, loans rose 0.6% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 26.7% of total loans, ahead of 1-4 family residential loans at 21.1%. By the capital ratios in its Q2 2026 call report, Bank of America, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N Tryon St, Charlotte, NC 28202
- County
- Mecklenburg
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- October 17, 1904
- Domestic offices
- 3,598 FDIC institution directory, current count
- Employees (FTE)
- 133,777
- Domestic deposits
- $1.98T
- Allowance for credit losses
- $13.10B
- Net charge-offs (YTD)
- $2.82B
- Average total assets
- $2.68T
- Average total loans
- $1.19T
- Average interest-bearing deposits
- $1.36T
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3510
- Fed RSSD
- 480228
- 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
Over the 12 quarters to Q2 2026, Bank of America, N.A.'s total assets ran between $2.47T (Q3 2023) and $2.67T (Q1 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
$2.65T total assets against $2.67T; $2.41T total liabilities against $2.42T.
$1.20T net loans and leases against $1.13T; $2.12T total deposits against $2.11T.
$835.09B securities against $900.05B; $214.61B cash and balances due against $244.29B.
$24.93B total interest income against $26.19B; $9.62B total interest expense against $11.38B.
$15.31B net interest income against $14.82B.
$8.24B total noninterest income against $6.83B; $12.67B total noninterest expense against $11.69B.
$1.37B provision for credit losses against $1.59B.
$7.53B net income against $7.42B.
1.12% return on assets against 1.12%; 2.48% net interest margin against 2.43%.
12.10% CET1 capital ratio against 13.25%; 7.11% tier 1 leverage ratio against 7.59%.
Inside the full Bank of America, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of America, N.A. rankings
Its closest position to the top of a national ranking is 2 of 4,196, for total assets; its furthest is 1,672 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q4 2024) to 1.20% (Q3 2025) and its net interest margin ran from 2.42% (Q1 2025) to 2.52% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.10% | 1.12% | 0.65% | 3.96% | 2.48% |
| Q1 2026 | 12.17% | 1.11% | 0.68% | 4.11% | 2.44% |
| Q4 2025 | 12.47% | 1.18% | 0.71% | 4.08% | 2.52% |
| Q3 2025 | 13.03% | 1.20% | 0.68% | 3.76% | 2.44% |
| Q2 2025 | 13.25% | 1.12% | 0.71% | 3.89% | 2.43% |
| Q1 2025 | 13.36% | 1.10% | 0.76% | 4.11% | 2.42% |
| Q4 2024 | 13.46% | 1.06% | 0.78% | 4.21% | 2.44% |
| Q3 2024 | 13.40% | 1.10% | 0.79% | 4.26% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
View all 3,598 branches → 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, N.A. (main office) | Charlotte , NC | 28202 | $283.74B |
| San Francisco Main Branch | San Francisco , CA | 94104 | $211.38B |
| Bank of America Plaza Branch | Dallas , TX | 75202 | $125.79B |
| Two Bryant Park Branch | New York , NY | 10036 | $68.57B |
| Regency Branch | Jacksonville , FL | 32225 | $59.08B |
| 100 Federal Branch | Boston , MA | 02110 | $54.72B |
| Harborside Branch | Jersey City , NJ | 07311 | $26.08B |
| Atlanta Bank of America Plaza Branch | Atlanta , GA | 30308 | $24.76B |
| Broad and Lombardy Branch | Richmond , VA | 23220 | $22.97B |
| State House Square Branch | Hartford , CT | 06103 | $22.67B |
| The Field Building Branch | Chicago , IL | 60603 | $20.36B |
| Charles Street Branch | Baltimore , MD | 21201 | $17.25B |
| Seventeenth and Church Branch | Nashville , TN | 37203 | $15.17B |
| Park Central Branch | Phoenix , AZ | 85012 | $14.10B |
| 4 Penn Center Branch | Philadelphia , PA | 19103 | $14.00B |
| Somerset Branch | Troy , MI | 48084 | $13.73B |
| 72nd and First Avenue Branch | New York , NY | 10021 | $12.87B |
| Dexter Horton at 4th-Madison Branch | Seattle , WA | 98154 | $12.02B |
| K Street Office Branch | Washington , DC | 20006 | $11.02B |
| Paradise Valley Branch | Las Vegas , NV | 89104 | $10.56B |
| Morse and Karl Branch | Columbus , OH | 43229 | $8.95B |
| 5th & Main Branch | Portland , OR | 97204 | $8.20B |
| Plaza - St. Louis Branch | Saint Louis , MO | 63101 | $7.92B |
| Five Points Branch | Columbia , SC | 29205 | $7.72B |
| Downtown Miami Branch | Miami , FL | 33131 | $7.65B |
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 |
|---|---|---|---|
| March 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2020 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Structure Change | Acquired FIA Card Services, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2013 | Structure Change | Acquired Bank of America Oregon, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Bac Home Loans Servicing, LP Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | M&A | Acquired Bac Home Loans Servicing, LP merger for the acquired bank | SEC |
| October 1, 2010 | Structure Change | Acquired Merrill Lynch Commercial Finance Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 2, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 2, 2009 | Structure Change | Acquired Merrill Lynch Bank & Trust Co., FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2009 | Structure Change | Acquired Merrill Lynch Bank USA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2009 | M&A | Acquired Merrill Lynch Bank USA merger for the acquired bank | SEC |
| April 27, 2009 | Structure Change | Acquired Countrywide Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 27, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 2009 | FDIC Assistance | Open Bank Assistance | FDIC |
| October 17, 2008 | Structure Change | Acquired LaSalle Bank Midwest National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 17, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2008 | Structure Change | Acquired Bank of America Georgia, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 2008 | Structure Change | Acquired Ustrust Technology and Support Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2008 | Structure Change | Acquired United States Trust Company , National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 22, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 22, 2006 | Structure Change | Acquired MBNA America Delaware, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2005 | Structure Change | Acquired Fleet National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2004 | Structure Change | Acquired Bank of America Technology and Operations, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2003 | Structure Change | Acquired Sea Ray Credit Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 15, 2003 | Structure Change | Acquired Ba Mortgage, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2001 | Structure Change | Acquired Nationsbank Trust Company of New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 1999 | Structure Change | Acquired Bank of America Utah, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 23, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 23, 1999 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 9, 1999 | Structure Change | Acquired Bank of America Texas, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 1998 | Structure Change | Acquired NationsBank of Tennessee, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 1998 | Structure Change | Acquired Barnett Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 1998 | Structure Change | Acquired NationsBank, National Association (Glenn County) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 1998 | Structure Change | Acquired Boatmen's National Bank of Austin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 23 against the institution (OCC); 101 against individuals associated with it
- October 13, 2026, OCC: Civil Money Penalty (CMP): Bank of America, National Association
- December 23, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Bank of America, National Association
- July 5, 2023, OCC: Civil Money Penalty (CMP): Bank of America, National Association
- July 14, 2022, OCC: C&D or PC&D Requiring Restitution: Bank of America, National Association
- July 14, 2022, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Bank of America, National Association
- Period: Most recent institution action October 13, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 43.8% of deposits in NC, rank 1 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 240,157 applications, 88,530 loans originated, $37.29B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 699 loans, $424.7M approved, $608K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 24,475 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
- 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, N.A.
What are Bank of America, N.A.'s total assets?
As of the Q2 2026 filing, Bank of America, N.A. reported total assets of $2.65 trillion in its FFIEC call report.
Where is Bank of America, N.A. headquartered?
It is headquartered in Charlotte, NC, United States.
When was Bank of America, N.A. founded?
It was established in 1904, per the FDIC institution directory.
Is Bank of America, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3510). 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, N.A.?
Bank of America, N.A.'s primary federal regulator is the OCC.
What is Bank of America, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of America, N.A. operate?
It operates 3,598 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of America, N.A.'s Texas Ratio?
Its Texas Ratio is 3.96% 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.
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