Bank of America, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.11% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.11% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.10% +5.60 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $186.73B | 186,728,000 | RCFWP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.54T | 1,543,623,000 | RCFAA223 |
| Recomputed ratio | 12.10% | numerator / denominator | |
| Filed ratio | 12.10% | RCFAP793 | |
| Advanced approaches column | 14.83% | RCFWP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.60 pp | $86.39B | capital that could be lost first |
Tier 1 risk-based capital ratio 12.10% +4.10 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $186.73B | 186,728,000 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.54T | 1,543,623,000 | RCFAA223 |
| Recomputed ratio | 12.10% | numerator / denominator | |
| Filed ratio | 12.10% | RCFA7206 | |
| Advanced approaches column | 14.83% | RCFW7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.10 pp | $63.24B | capital that could be lost first |
Total risk-based capital ratio 13.11% +3.11 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $202.41B | 202,413,000 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.54T | 1,543,623,000 | RCFAA223 |
| Recomputed ratio | 13.11% | numerator / denominator | |
| Filed ratio | 13.11% | RCFA7205 | |
| Advanced approaches column | 15.26% | RCFW7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.11 pp | $48.05B | capital that could be lost first |
Tier 1 leverage ratio 7.11% +2.11 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $186.73B | 186,728,000 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.62T | 2,624,636,000 | RCFAA224 |
| Recomputed ratio | 7.11% | numerator / denominator | |
| Filed ratio | 7.11% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.11 pp | $55.50B | capital that could be lost first |
Supplementary leverage ratio 5.91%
Tier 1 capital over total leverage exposure, which adds off-balance-sheet exposures to on-balance-sheet assets. Filed by advanced-approaches and Category III banks.
| Tier 1 capital | $186.73B | 186,728,000 | RCFA8274 |
|---|---|---|---|
| Divided by total leverage exposure | $3.16T | 3,161,120,000 | RCFAH015 |
| Recomputed ratio | 5.91% | numerator / denominator | |
| Filed ratio | 5.91% | RCFAH036 |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I. This bank also files the advanced approaches column; the lower of the two binds, and the standardized ratios shown here are the lower ones.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 180,652,000 | 180,651,000 | 180,651,000 | 180,651,000 | 180,651,000 | 180,181,000 | RCFAP742 |
| Retained earnings | 68,855,000 | 69,126,000 | 72,559,000 | 79,226,000 | 79,240,000 | 77,023,000 | RCFAKW00 |
| Accumulated other comprehensive income | (8,718,000) | (8,067,000) | (6,960,000) | (8,310,000) | (9,351,000) | (10,280,000) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 240,789,000 | 241,710,000 | 246,250,000 | 251,567,000 | 250,540,000 | 246,924,000 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (54,061,000) | (54,840,000) | (55,419,000) | (54,971,000) | (54,313,000) | (53,116,000) | P859 - P840 |
| Common equity Tier 1 capital | 186,728,000 | 186,870,000 | 190,831,000 | 196,596,000 | 196,227,000 | 193,808,000 | RCFWP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 186,728,000 | 186,870,000 | 190,831,000 | 196,596,000 | 196,227,000 | 193,808,000 | RCFA8274 |
| Tier 2 capital | 15,685,000 | 15,731,000 | 15,809,000 | 15,802,000 | 15,879,000 | 15,816,000 | RCFA5311 |
| Allowance includable in Tier 2 capital | 14,286,000 | 14,328,000 | 14,402,000 | 14,391,000 | 14,463,000 | 14,397,000 | RCFA5310 |
| Total capital | 202,413,000 | 202,601,000 | 206,640,000 | 212,398,000 | 212,106,000 | 209,624,000 | RCFA3792 |
| Total risk-weighted assets | 1,543,623,000 | 1,535,559,000 | 1,530,099,000 | 1,508,741,000 | 1,480,582,000 | 1,450,318,000 | RCFAA223 |
| Average total assets for the leverage ratio | 2,624,636,000 | 2,618,628,000 | 2,592,031,000 | 2,606,271,000 | 2,583,741,000 | 2,545,434,000 | RCFAA224 |
| Total leverage exposure | 3,161,120,000 | 3,148,097,000 | 3,101,283,000 | 3,104,024,000 | 3,063,001,000 | 3,020,274,000 | RCFAH015 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $214.81B | $5.19B | 2.42% | 0.34% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $809.88B | $88.20B | 10.89% | 5.71% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $11.70B | $6.96B | 59.45% | 0.45% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $256.16B | $142.05B | 55.45% | 9.20% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $572.0M | $858.0M | 150.00% | 0.06% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $5.50B | $8.23B | 149.60% | 0.53% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $752.04B | $726.44B | 96.60% | 47.06% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $14.21B | $2.68B | 18.83% | 0.17% | RC-R Part II, item 7 |
| All other assets | $101.25B | $92.19B | 91.05% | 5.97% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $3.0M | $37.5M | 1250.00% | 0.00% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $316.68B | $280.14B | 88.46% | 18.15% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $121.20B | $74.73B | 61.66% | 4.84% | RC-R Part II, item 20, 21 |
| Unsettled transactions | $247.0M | $983.6M | 398.24% | 0.06% | RC-R Part II, item 22 |
| Market risk and other approaches | NA | $114.94B | NA | 7.45% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.43T | ties to item 31 ($1.43T) |
|---|---|---|
| Risk-weighted assets before deductions | $1.54T | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.54T | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.10% | 12.10% | 13.11% | 7.11% | 13.63% | 13.73% | 14.82% | 9.14% |
| 1Q26 | Risk-based | 12.17% | 12.17% | 13.19% | 7.14% | 13.75% | 13.85% | 14.63% | 9.39% |
| 4Q25 | Risk-based | 12.47% | 12.47% | 13.51% | 7.36% | 15.01% | 15.02% | 16.07% | 9.33% |
| 3Q25 | Risk-based | 13.03% | 13.03% | 14.08% | 7.54% | 13.73% | 13.83% | 15.32% | 8.97% |
| 2Q25 | Risk-based | 13.25% | 13.25% | 14.33% | 7.59% | 13.76% | 13.94% | 15.59% | 9.21% |
| 1Q25 | Risk-based | 13.36% | 13.36% | 14.45% | 7.61% | 13.95% | 14.05% | 15.65% | 9.26% |
| 4Q24 | Risk-based | NA | NA | NA | 7.63% | 13.73% | 13.83% | 15.48% | 9.15% |
| 3Q24 | Risk-based | NA | NA | NA | 7.64% | 13.98% | 14.07% | 15.71% | 9.19% |
| 2Q24 | Risk-based | NA | NA | NA | 7.63% | 13.82% | 13.92% | 15.61% | 9.09% |
| 1Q24 | Risk-based | NA | NA | NA | 7.61% | 13.77% | 13.87% | 15.42% | 9.12% |
| 4Q23 | Risk-based | NA | NA | NA | 7.59% | 13.68% | 13.78% | 15.32% | 9.05% |
| 3Q23 | Risk-based | NA | NA | NA | 7.73% | 13.62% | 13.62% | 15.29% | 9.10% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios, and for this advanced-approaches bank the risk-based ratios of quarters without served Schedule RC-R detail are withheld rather than shown from the advanced column. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Bank of America, N.A. (this bank) | Risk-based | 12.10% | 12.10% | 13.11% | 7.11% | |
| Citibank, N.A. | $1.98T | Risk-based | 14.68% | 14.89% | 16.42% | 7.87% |
| Wells Fargo Bank, N.A. | $1.91T | Risk-based | 12.06% | 12.06% | 13.50% | 8.02% |
| JPMorgan Chase Bank, N.A. | $4.09T | Risk-based | 15.03% | 15.03% | 16.21% | 7.49% |
| Goldman Sachs Bank USA | $758.79B | Risk-based | 13.48% | 13.48% | 14.73% | 7.67% |
| U.S. Bank N.A. | $705.55B | Risk-based | 12.91% | 12.99% | 14.94% | 9.49% |
| Capital One, N.A. | $662.16B | Risk-based | 13.21% | 13.21% | 14.88% | 10.58% |
| PNC Bank, N.A. | $609.77B | Risk-based | 11.20% | 11.20% | 12.82% | 8.98% |
| Truist Bank | $548.35B | Risk-based | 12.11% | 12.11% | 13.62% | 9.82% |
| The Bank of New York Mellon | $425.12B | Risk-based | 14.56% | 14.56% | 14.76% | 6.20% |
| Morgan Stanley Bank, N.A. | $419.32B | Risk-based | 18.25% | 18.25% | 18.71% | 10.44% |
| Peer 25th percentile | 12.31% | 12.33% | 13.90% | 7.72% | ||
| Peer median | 13.34% | 13.34% | 14.82% | 8.50% | ||
| Peer 75th percentile | 14.65% | 14.81% | 15.89% | 9.74% | ||
| This bank's percentile | 20 | 20 | 10 | 10 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/480228/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.