San Francisco, CA · Cert 25178 · Bank of America Corp.
National charter · OCC · 1 affiliate bank · 1 branch (3,599 in holding)
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 2.4% share · #5 of 69 inst. · $12.3B of $513.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.45% | 0.55% | 0.58% | 0.52% | 0.54% | 0.73% | 0.77% | +19 bps | |
| Return on Equity | 2.72% | 3.51% | 4.85% | 4.93% | 4.36% | 4.55% | 5.89% | 6.06% | +113 bps | |
| Net Interest Margin | 1.04% | 1.03% | 1.48% | 1.53% | 1.55% | 1.55% | 1.76% | 1.71% | +18 bps | |
| Efficiency Ratio | 54.55% | 44.91% | 49.15% | 48.74% | 53.98% | 52.30% | 44.12% | 42.96% | -578 bps | |
| Non-Interest Burden | 0.57% | 0.47% | 0.73% | 0.74% | 0.83% | 0.81% | 0.78% | 0.73% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.89% | 1.63% | 9.89% | -0.15% | -7.31% | -1.19% | -6.15% | -1.13% | -98 bps | |
| Loan Growth (YoY) | -9.55% | -9.23% | -8.11% | -4.22% | -8.83% | -8.79% | -7.95% | -12.34% | -813 bps | |
| Deposit Growth (YoY) | 73.57% | 9.30% | 22.04% | 7.45% | -4.49% | 3.18% | -5.06% | -2.33% | -978 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 0.75% | 0.67% | 0.70% | 0.73% | 0.69% | 0.67% | 0.66% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | -0.02% | -0.01% | 0.00% | 0.00% | -0.02% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.34% | 11.00% | 11.44% | 11.96% | 12.41% | 12.28% | 12.41% | 12.41% | +45 bps | |
| Total Risk-Based Capital | 30.83% | 32.41% | 33.00% | 33.82% | 35.67% | 37.10% | 37.55% | 39.28% | +545 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.86% | 84.13% | 79.52% | 85.46% | 79.10% | 74.37% | 77.10% | 76.69% | -876 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |