Bank of America, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bank of America received FDIC open-bank assistance in January 2009 — one of the rare cases where the FDIC intervened to preserve operations rather than close the bank. The bank currently ranks second on the Largest US Banks by Assets leaderboard. Bank of America, N.A. is one of the largest US commercial banks by assets, headquartered in Charlotte, NC. Total assets stand at $2.7T. Earnings are mid-range, 1.12% ROA and a 2.48% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 14.83% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.73% nonperforming loans and a 5.48% Texas Ratio. The bank operates a national network of 3,822 domestic branches.
As of June 30, 2026, Bank of America, N.A. reported a CET1 capital ratio of 14.83%, a return on assets of 1.12%, a nonperforming-loan ratio of 0.73%, a Texas ratio of 5.48%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 N Tryon St, Charlotte, NC 28202
- County
- Mecklenburg
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- October 17, 1904
- Offices
- 3,822 domestic
- Employees (FTE)
- 133,777
- Domestic deposits
- $1.98T
- Allowance for credit losses
- $13.10B
- Net charge-offs (YTD)
- $2.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3510
- Fed RSSD
- 480228
- SEC CIK
- 70858 → filed by BANK OF AMERICA CORPORATION
- Website
- www.bankofamerica.com →
- Parent Holding Company
- BAC NORTH AMERICA HOLDING COMPANY (RSSD 1379552)
- Ultimate Parent
- BANK OF AMERICA CORPORATION (RSSD 1073757)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of America, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of America, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of America, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Bank of America, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.83% | 1.12% | 0.73% | 5.48% | 2.48% |
| Q1 2026 | 14.91% | 1.11% | 0.75% | 5.65% | 2.44% |
| Q4 2025 | 15.56% | 1.18% | 0.81% | 5.83% | 2.52% |
| Q3 2025 | 16.28% | 1.20% | 0.86% | 5.93% | 2.44% |
| Q2 2025 | 16.52% | 1.12% | 1.06% | 6.78% | 2.43% |
| Q1 2025 | 16.64% | 1.10% | 1.06% | 6.82% | 2.42% |
| Q4 2024 | 16.89% | 1.06% | 1.06% | 6.85% | 2.44% |
| Q3 2024 | 16.83% | 1.10% | 0.99% | 6.59% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3,598 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of America, N.A. (main office) | Charlotte , NC | 28202 | $283.74B |
| San Francisco Main Branch | San Francisco , CA | 94104 | $211.38B |
| Bank of America Plaza Branch | Dallas , TX | 75202 | $125.79B |
| Two Bryant Park Branch | New York , NY | 10036 | $68.57B |
| Regency Branch | Jacksonville , FL | 32225 | $59.08B |
| 100 Federal Branch | Boston , MA | 02110 | $54.72B |
| Harborside Branch | Jersey City , NJ | 07311 | $26.08B |
| Atlanta Bank of America Plaza Branch | Atlanta , GA | 30308 | $24.76B |
| Broad and Lombardy Branch | Richmond , VA | 23220 | $22.97B |
| State House Square Branch | Hartford , CT | 06103 | $22.67B |
| The Field Building Branch | Chicago , IL | 60603 | $20.36B |
| Charles Street Branch | Baltimore , MD | 21201 | $17.25B |
| Seventeenth and Church Branch | Nashville , TN | 37203 | $15.17B |
| Park Central Branch | Phoenix , AZ | 85012 | $14.10B |
| 4 Penn Center Branch | Philadelphia , PA | 19103 | $14.00B |
| Somerset Branch | Troy , MI | 48084 | $13.73B |
| 72nd and First Avenue Branch | New York , NY | 10021 | $12.87B |
| Dexter Horton at 4th-Madison Branch | Seattle , WA | 98154 | $12.02B |
| K Street Office Branch | Washington , DC | 20006 | $11.02B |
| Paradise Valley Branch | Las Vegas , NV | 89104 | $10.56B |
| Morse and Karl Branch | Columbus , OH | 43229 | $8.95B |
| 5th & Main Branch | Portland , OR | 97204 | $8.20B |
| Plaza - St. Louis Branch | Saint Louis , MO | 63101 | $7.92B |
| Five Points Branch | Columbia , SC | 29205 | $7.72B |
| Downtown Miami Branch | Miami , FL | 33131 | $7.65B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 31, 2020 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Structure Change | Acquired FIA Card Services, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2013 | Structure Change | Acquired Bank of America Oregon, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Merrill Lynch Credit Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | M&A | merger | SEC |
| October 1, 2010 | Structure Change | Acquired Merrill Lynch Commercial Finance Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 2, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 2, 2009 | Structure Change | Acquired Merrill Lynch Bank & Trust Co., FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2009 | Structure Change | Acquired Merrill Lynch Bank USA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2009 | M&A | merger | SEC |
| April 27, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 27, 2009 | Structure Change | Acquired Countrywide Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 16, 2009 | Failure | Failure / assisted resolution | FDIC FAILURES |
| January 16, 2009 | FDIC Assistance | Open Bank Assistance | FDIC |
| October 17, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 2008 | Structure Change | Acquired LaSalle Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2008 | Structure Change | Acquired Bank of America Georgia, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 2008 | Structure Change | Acquired Ustrust Technology and Support Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 2008 | Structure Change | Acquired United States Trust Company , National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 22, 2006 | Structure Change | Acquired MBNA America Delaware, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 22, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 13, 2005 | Structure Change | Acquired Fleet National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2004 | Structure Change | Acquired Bank of America Technology and Operations, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2003 | Structure Change | Acquired Sea Ray Credit Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 15, 2003 | Structure Change | Acquired Ba Mortgage, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2001 | Structure Change | Acquired Nationsbank Trust Company of New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 1999 | Structure Change | Acquired Bank of America Utah, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 23, 1999 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| July 23, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 1999 | Structure Change | Acquired Bank of America Texas, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 1998 | Structure Change | Acquired NationsBank of Tennessee, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 1998 | Structure Change | Acquired Community Bank of the Islands Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 1998 | Structure Change | Acquired NationsBank, National Association (Glenn County) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 1998 | Structure Change | Acquired SUNWEST Bank of El Paso, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 43 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Bank of America, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 22 against the institution (OCC); 101 against individuals associated with it
- December 23, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Bank of America, National Association
- July 5, 2023, OCC: Civil Money Penalty (CMP): Bank of America, National Association
- July 14, 2022, OCC: C&D or PC&D Requiring Restitution: Bank of America, National Association
- July 14, 2022, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Bank of America, National Association
- July 14, 2022, OCC: Civil Money Penalty (CMP): Bank of America, National Association
- Period: Most recent institution action December 23, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 43.8% of deposits in NC, rank 1 of 86 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 240,157 applications, 88,530 loans originated, $37.29B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 24,231 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of America, N.A.
What are Bank of America, N.A.'s total assets?
As of the Q2 2026 filing, Bank of America, N.A. reported total assets of $2.65 trillion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of America, N.A. headquartered?
Bank of America, N.A. is headquartered in Charlotte, NC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of America, N.A. founded?
Bank of America, N.A. was established in 1904, per the FDIC institution directory.
Is Bank of America, N.A. FDIC-insured?
Yes. Bank of America, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of America, N.A.?
Bank of America, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of America, N.A.'s CET1 capital ratio?
Bank of America, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 14.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of America, N.A. operate?
Bank of America, N.A. operates 3,822 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of America, N.A.'s Texas Ratio?
Bank of America, N.A.'s Texas Ratio is 5.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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