Bank of America California, National Association
San Francisco, CA · Cert 25178 · Peer group: banks over $10B in assets (n=142-144) · Bank of America Corp.
National charter · OCC · 1 affiliate bank · 1 branch (3,599 in holding)
Q2 2026
$14.8BAssets
$9.4BLoans
$12.3BDeposits
$1.9BEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks over $10B in assets (rank 5 of 142).
- Widest gap: net interest margin trails 96% of banks over $10B in assets (rank 138 of 144).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.78%
Rank 131 of 144
Net Interest Margin
1.71%
Rank 138 of 144
Efficiency Ratio
42.96%
Rank 23 of 144
Equity / Assets
13.12%
Rank 33 of 144
Non-interest income vs. expense
Unfavorable gap of $114.0M · efficiency ratio beats 85% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 1.00% | 1.26% | 1.54% | Beats 9% | 131 / 144 | |
| Return on Equity | 5.97% | 8.98% | 11.34% | 14.40% | Beats 7% | 134 / 144 | |
| Net Interest Margin | 1.71% | 2.82% | 3.31% | 3.68% | Beats 4% | 138 / 144 | |
| Efficiency Ratio | 42.96% | 49.42% | 56.02% | 62.41% | Beats 85% | 23 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.48% | 0.73% | 1.07% | Beats 56% | 63 / 142 | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.11% | 0.22% | Beats 100% | 5 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 39.00% | 12.07% | 12.98% | 14.92% | Beats 97% | 5 / 144 | |
| Total Risk-Based Capital Ratio | 39.28% | 13.39% | 14.14% | 16.25% | Beats 97% | 5 / 144 | |
| Equity / Assets | 13.12% | 9.69% | 11.39% | 12.96% | Beats 77% | 33 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 76.69% | 75.72% | 84.92% | 91.56% | 27th pctl | 104 / 143 | |
| Loans / Assets | 63.71% | 59.83% | 69.07% | 74.80% | 32nd pctl | 98 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |