Bank Comparison
Bank of America, N.A. vs U.S. Bank N.A.
Coast-to-coast retail bank versus West-and-Midwest super-regional.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bank of America, N.A. | U.S. Bank N.A. |
|---|---|---|
| CET1 Ratio | 12.17% | 12.88% |
| Tier 1 Capital Ratio | 12.17% | 12.97% |
| Total Capital Ratio | 13.19% | 14.96% |
| Tier 1 Leverage Ratio | 7.14% | 9.40% |
| Equity / Assets | 9.05% | 9.95% |
Profitability
| Metric | Bank of America, N.A. | U.S. Bank N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 1.18% |
| Return on Equity (ROE) | 12.16% | 11.72% |
| Net Interest Margin (NIM) | 2.44% | 2.84% |
| Yield on Earning Assets | 3.99% | 4.76% |
| Cost of Funds | 1.65% | 2.01% |
Asset quality
| Metric | Bank of America, N.A. | U.S. Bank N.A. |
|---|---|---|
| Texas Ratio | 5.65% | 15.02% |
| Non-Performing Loan Ratio | 0.75% | 1.00% |
| Non-Performing Asset Ratio | 0.34% | 0.59% |
| Net Charge-Off Ratio | 0.54% | 0.56% |
| ACL / Loans | 1.09% | 1.90% |
Balance sheet
| Metric | Bank of America, N.A. | U.S. Bank N.A. |
|---|---|---|
| Total Assets | $2,672,192M | $683,379M |
| Total Deposits | $2,128,004M | $539,835M |
| Total Loans | $1,204,693M | $402,723M |
| Total Equity | $241,710M | $67,968M |
| Net Income (quarter) | $7,417M | $1,991M |
Liquidity & funding
| Metric | Bank of America, N.A. | U.S. Bank N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 56.61% | 74.60% |
| Core Deposit Ratio | 90.51% | 96.67% |
| Uninsured Deposit Ratio | 41.20% | 51.80% |
Identity
| Metric | Bank of America, N.A. | U.S. Bank N.A. |
|---|---|---|
| Headquarters City | CHARLOTTE | CINCINNATI |
| Headquarters State | NC | OH |
| Asset Tier | National | National |
| Charter Class | 13044 | 24 |
| Regulator | OCC | OCC |
| Domestic Branches | 3,833 | 2,098 |
| Employees (FTE) | 136,056 | 65,495 |
| Established | Oct. 17, 1904, midnight | July 13, 1863, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Bank of America, N.A. profile | View full U.S. Bank N.A. profile | Browse all bank comparisons