Bank of America, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.04 percentage points, from 2.44% to 2.48%, the largest move among the key lines here. On net interest margin, Bank of America, N.A. is 4th from the bottom among 38 North Carolina banks, 2.48% (Q2 2026). The median for banks in the >= $250B asset tier is 2.88% on net interest margin. Bank of America, N.A. sits 0.40 points lower, at 2.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.03% |
| Yield on loans | 5.23% |
| Yield on securities | 2.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.48% |
| Yield to cost spread | 1.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.61B |
| Total interest expense | $9.62B |
| Interest expense on deposits | $6.73B |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.43% | 1.50% | 2.70% | 5.74% | 2.35% |
| Q4 2023 | 4.55% | 1.80% | 2.50% | 5.86% | 2.58% |
| Q1 2024 | 4.59% | 1.84% | 2.50% | 5.89% | 2.82% |
| Q2 2024 | 4.62% | 1.96% | 2.41% | 5.90% | 2.88% |
| Q3 2024 | 4.69% | 2.02% | 2.45% | 6.00% | 2.98% |
| Q4 2024 | 4.50% | 1.85% | 2.44% | 5.86% | 2.95% |
| Q1 2025 | 4.28% | 1.67% | 2.42% | 5.60% | 2.87% |
| Q2 2025 | 4.29% | 1.67% | 2.43% | 5.58% | 2.90% |
| Q3 2025 | 4.33% | 1.70% | 2.44% | 5.64% | 2.93% |
| Q4 2025 | 4.21% | 1.72% | 2.52% | 5.49% | 2.85% |
| Q1 2026 | 3.99% | 1.75% | 2.44% | 5.22% | 2.71% |
| Q2 2026 | 4.03% | 1.75% | 2.48% | 5.23% | 2.69% |
Bank of America, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of America, N.A., freeSource: Call Report Schedules RI and RC-K, 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)