Bank of America, 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.1% lower than in Q1 2026, at -$8.72B. Within North Carolina, Bank of America, N.A. is 12th of 26 on CET1 ratio, 14.83% as of Q2 2026, above the middle of the field. At 14.83%, Bank of America, N.A.'s CET1 ratio is close to the 15.13% median for banks in the >= $250B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.83% |
| Tier 1 risk-based capital ratio | 14.83% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 7.11% |
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 | $186.73B |
| Tier 1 capital | $186.73B |
| Total risk-based capital | $202.41B |
| Total equity capital | $240.79B |
| Risk-weighted assets | $1.54T |
Ratios recomputed from the amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital / risk-weighted assets | 12.10% |
| Tier 1 capital / risk-weighted assets | 12.10% |
| Total risk-based capital / risk-weighted assets | 13.11% |
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 | 9.07% |
| Tangible equity to tangible assets | 7.05% |
| Equity capital to average assets | 8.97% |
| Internal capital growth rate | -0.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.02B |
| Common stock surplus | $177.63B |
| Retained earnings | $68.86B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.72B |
| Subordinated notes and debentures | $1.40B |
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 | 16.72% | 16.72% | 17.18% | 7.73% | $1.39T |
| Q4 2023 | 16.84% | 16.84% | 17.25% | 7.59% | $1.39T |
| Q1 2024 | 16.88% | 16.88% | 17.36% | 7.61% | $1.40T |
| Q2 2024 | 16.91% | 16.91% | 17.37% | 7.63% | $1.41T |
| Q3 2024 | 16.83% | 16.83% | 17.24% | 7.64% | $1.43T |
| Q4 2024 | 16.89% | 16.89% | 17.29% | 7.63% | $1.44T |
| Q1 2025 | 16.64% | 16.64% | 17.12% | 7.61% | $1.45T |
| Q2 2025 | 16.52% | 16.52% | 17.00% | 7.59% | $1.48T |
| Q3 2025 | 16.28% | 16.28% | 16.73% | 7.54% | $1.51T |
| Q4 2025 | 15.56% | 15.56% | 15.98% | 7.36% | $1.53T |
| Q1 2026 | 14.91% | 14.91% | 15.33% | 7.14% | $1.54T |
| Q2 2026 | 14.83% | 14.83% | 15.26% | 7.11% | $1.54T |
Bank of America, 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, 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3510) · FFIEC NIC profile (RSSD 480228)