Bank of America, 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, N.A. of Charlotte, NC against its peer group of 18 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 | 1.12% | 1.20% | -0.08% | 29th below |
| ROAE | 12.48% | 12.82% | -0.34% | 35th below |
| Net Interest Margin | 2.48% | 2.90% | -0.42% | 35th below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 53.65% | 53.55% | +0.10% | 53rd above |
| PPNR / Avg Assets | 1.62% | 1.75% | -0.13% | 29th below |
| Yield on Earning Assets | 4.03% | 5.07% | -1.04% | 6th bottom |
| Cost of Funds | 1.75% | 2.25% | -0.50% | 71st above |
| Net Interest Spread | 1.80% | 2.39% | -0.59% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.73% | 0.93% | -0.20% | 71st above |
| NPA / Total Assets | 0.34% | 0.48% | -0.14% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.49% | -0.02% | 29th below |
| ACL / Total Loans | 1.08% | 1.39% | -0.31% | 35th below |
| ACL / NPLs (Coverage) | 149.09% | 145.26% | +3.83% | 65th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.48% | 6.60% | -1.12% | 47th below |
| Provision / NCO | 96.81% | 123.56% | -26.75% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.83% | 17.46% | -2.63% | 41st below |
| Tier 1 Ratio | 14.83% | 17.49% | -2.66% | 41st below |
| Total Capital Ratio | 15.26% | 18.47% | -3.21% | 41st below |
| Leverage Ratio | 7.11% | 8.86% | -1.75% | 18th bottom |
| Equity / Assets | 9.07% | 10.00% | -0.93% | 47th below |
| TCE / Tangible Assets | 7.05% | 8.05% | -1.00% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.10% | 60.17% | -3.07% | 59th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.43% | 82.76% | +4.67% | 41st below |
| Uninsured Deposit Ratio | 42.40% | 43.81% | -1.41% | 65th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 7.28% | 7.45% | -0.17% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.41% | 14.30% | -14.71% | 6th bottom |
| Loan Growth (Y/Y) | 6.00% | 16.46% | -10.46% | 24th bottom |
| Deposit Growth (Y/Y) | 0.59% | 11.97% | -11.38% | 24th bottom |
See Bank of America, N.A.'s peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of America, 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, N.A. profile, how to read a UBPR, or how this data updates.