Bank of America California
Bank of America California reported total assets of $14.8 bn at Q2 2026, down 1.1% on a year earlier, the 129th largest of 497 banks in our US coverage. The CET1 capital ratio at Bank of America California was 39.00%, and the uninsured share of Bank of America California was 6.16%. Source: FDIC Call Reports.
Key takeaways
- Bank of America California reports one of the lowest net interest margin readings among banks of $10 bn to $100 bn: 1.78% at , where the median of the 126 banks is 3.62% (FDIC Call Reports).
- The net charge-offs to average loans of Bank of America California, -0.02% at , places Bank of America California in the bottom tenth of banks of $10 bn to $100 bn (group median 0.14%; FDIC Call Reports).
- Few banks of $10 bn to $100 bn report a higher common equity tier 1 (CET1) ratio than Bank of America California, at 39.00% in against a group median of 12.97% (FDIC Call Reports).
What sets Bank of America California apart
- On noncurrent loans to total loans, Bank of America California climbed from 316th to 270th among 500 US banks between and (1 = lowest).
- Bank of America California reports one of the lowest uninsured share of domestic deposits readings among banks of $10 bn to $100 bn: 6.16% at , where the median of the 126 banks is 38.56%.
- Over the year to , the net loans and leases of Bank of America California fell by 12.4% to $9.4 bn, a bigger fall than at 98% of covered banks.
How large is Bank of America California?
The balance sheet of Bank of America California at : assets $14.8 bn, deposits $12.3 bn, net loans $9.4 bn (loans equal to 76.58% of deposits). Since , when Bank of America California held $22.8 bn, its assets shrank 35.0%. In the year to , deposits at Bank of America California fell 2.3% while its total assets fell 1.1%.
How much funding at Bank of America California is uninsured?
At Bank of America California, uninsured deposits (above the FDIC limit) made up 6.16% of domestic deposits at (+2.06 pp on a year earlier); Bank of America California ranks 479th of 500 on this measure. In dollars, Bank of America California estimated $758.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $12.3 bn | -2.3% | 129th of 499 |
| Net loans and leases | $9.4 bn | -12.4% | 131st of 500 |
| Loan-to-deposit ratio | 76.58% | -8.78 pp | 374th of 500 |
| Tier 1 leverage ratio | 12.41% | +0.45 pp | 82nd of 500 |
| Total risk-based capital ratio | 39.28% | +5.45 pp | 10th of 448 |
| Net interest margin | 1.78% | +0.26 pp | 486th of 500 |
| Return on assets (ROA) | 0.77% | +0.19 pp | 438th of 500 |
| Efficiency ratio | 42.96% | -5.78 pp | 71st of 500 (1 = lowest) |
| Noncurrent loans to total loans | 0.66% | -0.04 pp | 270th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.02% | 0.00 pp | 15th of 500 (1 = lowest) |
US rank of Bank of America California: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank of America California: assets, deposits and loans
- Total assets $14.8bn
- Deposits $12.3bn
- Net loans $9.4bn
Capital and securities
The CET1 ratio of Bank of America California stood at 39.00% in , +5.41 pp year on year. Low and high at Bank of America California since : 24.82% () to 49.82% (). Equity capital of Bank of America California at : $1.9 bn, or 13.1% of total assets. Bank of America California also reported a total capital ratio of 39.28% for , and a tier 1 leverage ratio of 12.41%.
Bank of America California: capital ratios
- Total capital 39%
- CET1 39%
- Tier 1 leverage 12%
Bank of America California: unrealized securities gains and losses
- Available for sale $0
- Held to maturity $0
Profitability and loan quality
For the year to , Bank of America California earned a return on equity of 6.06%; return on assets: 0.77%. Net interest margin at Bank of America California: 1.78%, +0.26 pp in a year. Bank of America California net income: $58.0 mn, up 28.9% year on year. The efficiency ratio of Bank of America California was 42.96%: about 43 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.66% of total loans at Bank of America California; net charge-offs: -0.02% of average loans. Gross loans and leases at Bank of America California: $9.4 bn, down 12.3% in a year.
Bank of America California: profitability
- Return on equity 6.1%
- Net interest margin 1.8%
- Return on assets 0.8%
Peer group of Bank of America California
The peer group of Bank of America California is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Bank of America California (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in California. Against them, Bank of America California shows CET1 ratio 39.00% against a peer median of 13.32%, return on equity 6.06% against a peer median of 9.24% and uninsured deposit share 6.16% against a peer median of 38.95%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bell Bank | State nonmember bank | ND | $15.2 bn | 11.33% | 9.53% | 25.29% | |
| Dime Commercial Bank | State member bank | NY | $15.0 bn | 14.76% | 8.95% | 49.27% | |
| Popular Bank | State member bank | NY | $15.0 bn | 14.32% | 6.92% | 31.20% | |
| Bank of America California | National bank | CA | $14.8 bn | 39.00% | 6.06% | 6.16% | |
| Stifel Bank | State member bank | MO | $14.6 bn | 10.65% | 21.10% | 12.49% | |
| ConnectOne Bank | State nonmember bank | NJ | $14.4 bn | 12.31% | 10.13% | 46.70% | |
| Israel Discount Bank of New York | State nonmember bank | NY | $14.4 bn | 14.38% | 7.33% | 50.34% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank of America California, to : assets -8.6%, deposits -6.9%, equity +9.6%.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $16.2 bn | $15.7 bn | $16.1 bn | $15.0 bn | $15.0 bn | $15.5 bn | $15.1 bn | $14.8 bn |
| Total deposits | $13.2 bn | $12.7 bn | $13.3 bn | $12.6 bn | $12.6 bn | $13.1 bn | $12.6 bn | $12.3 bn |
| Bank equity capital | $1.8 bn | $1.8 bn | $1.8 bn | $1.8 bn | $1.9 bn | $1.9 bn | $1.9 bn | $1.9 bn |
| CET1 ratio | 30.61% | 32.18% | 32.76% | 33.59% | 35.43% | 36.85% | 37.26% | 39.00% |
| Return on equity (ROE) | 2.72% | 3.51% | 4.85% | 4.93% | 4.36% | 4.55% | 5.89% | 6.06% |
| Uninsured share of domestic deposits | 28.12% | 5.85% | 5.60% | 4.10% | 5.77% | 5.82% | 5.95% | 6.16% |
| Full-time equivalent employees | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Bank of America California
- Total assets at Bank of America California changed by +35.7% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Bank of America California?
Bank of America California reported $14.8 bn at in its Call Report. That makes Bank of America California the 129th largest of 497 banks in our US coverage.
Is Bank of America California the same as its holding company?
No. This page covers Bank of America California, FDIC certificate 25178; BANK OF AMERICA CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bank of America California profitable?
Bank of America California reported net income of $58.0 mn for the year to ; annualized return on equity: 6.06%. So yes: Bank of America California made a profit over these months.
When is data for Bank of America California next updated?
Figures from Bank of America California for are due after .
Where can I check the figures for Bank of America California?
In the FDIC BankFind Suite record for certificate 25178, and in the Call Reports of Bank of America California (RSSD ID 1443266) at the FFIEC Central Data Repository.