Bank of America, 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.
Loans held for sale dropped 40.6% in Q2 2026, from $10.86B to $6.45B. It was the largest change from Q1 2026 among the key lines here. Bank of America, N.A. has the 3rd lowest loan-to-deposit ratio of the 38 banks headquartered in North Carolina, at 57.10% as of Q2 2026. The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. Bank of America, N.A. sits 4.59 points lower, at 57.10% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.21T |
| Net loans and leases | $1.20T |
| Loans held for sale | $6.45B |
| Loans to total assets | 45.64% |
| Loan-to-deposit ratio | 57.10% |
| Net loans to equity capital | 4.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.10% |
| Multifamily (5+ residential) | 0.76% |
| Commercial and industrial | 26.70% |
| Consumer | 12.58% |
| Credit cards | 8.72% |
| Farm | 0.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.71% |
| Construction concentration (Tier 1 capital + allowance) | 4.84% |
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 | — |
| Interest income on loans | $15.61B |
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 | $1.05T | $1.98T | 5.72% | 30.81% | 17.63% |
| Q4 2023 | $1.05T | $2.03T | 5.76% | 30.55% | 17.73% |
| Q1 2024 | $1.05T | $2.05T | 5.75% | 31.23% | 17.35% |
| Q2 2024 | $1.05T | $2.02T | 5.53% | 31.03% | 17.37% |
| Q3 2024 | $1.08T | $2.02T | 5.42% | 31.28% | 17.21% |
| Q4 2024 | $1.10T | $2.06T | 5.19% | 26.91% | 14.04% |
| Q1 2025 | $1.11T | $2.07T | 5.10% | 26.77% | 13.45% |
| Q2 2025 | $1.14T | $2.11T | 5.00% | 26.87% | 13.20% |
| Q3 2025 | $1.16T | $2.09T | 4.94% | 26.43% | 13.07% |
| Q4 2025 | $1.18T | $2.10T | 5.01% | 26.06% | 13.20% |
| Q1 2026 | $1.20T | $2.13T | 5.02% | 26.08% | 12.74% |
| Q2 2026 | $1.21T | $2.12T | 5.10% | 26.70% | 12.58% |
Bank of America, 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, 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3510) · FFIEC NIC profile (RSSD 480228)