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Bank of America California, National Association

$10B-$250B Specialty: Mortgage CA FDIC cert 25178

San Francisco, CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in CA.
  • Deposits -2.3% year over year ($12.3B on the books).
  • Delinquency rate 0.66%.
  • Return on assets 0.77%.
  • Efficiency ratio 42.96% vs a 53.67% peer average.
  • Loan-to-deposit ratio 76.58% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 10 in CA
View $10B-$250B leaderboard (CA) →

Bank of America California, National Association has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 10.71% below tier average
  • + Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 0.1% in tier
  • - Liquidity Overhang: Bottom 9.1% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - Net Interest Margin 2.14% below tier average
  • - Non-Interest-Bearing Deposit Share 20.58% below tier average
  • - Non-Interest Income / Assets 0.49% below tier average
  • - ROA 0.62% below tier average
Get updates when Bank of America California, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $14.8B
-1.1% YoY -2.1% QoQ
-$28.8B $43.6B
-13.8% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
21%
Total Loans ? $9.4B
-12.4% YoY -3.2% QoQ
-$18.5B $28.0B
-8.6% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $12.3B
-2.3% YoY -2.6% QoQ
-$23.1B $35.4B
-14.0% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 0.77%
+32.7% YoY +4.7% QoQ
-0.62% 1.39%
+25.9% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 10.8% in tier
Net Interest Margin ? 1.78%
+16.8% YoY -0.4% QoQ
-2.14% 3.92%
+8.9% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Bottom 3.6% in tier
Efficiency Ratio ? 42.96%
-11.9% YoY -2.6% QoQ
-10.71% 53.67%
-1.9% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
85%
Delinquency Rate ? 0.66%
-5.7% YoY -1.5% QoQ
-0.36% 1.01%
-2.8% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 76.58%
-10.3% YoY -0.5% QoQ
-6.03% 82.61%
+3.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 0.00% -20.58% 20.58%
+4.9% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 2.2% in tier
Nonperforming Asset Ratio ? 0.43%
-15.9% YoY -2.5% QoQ
-0.30% 0.73%
+5.8% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 39.00%
+16.1% YoY +4.7% QoQ
+23.65% 15.35%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 2.9% in tier
Non-Interest Income / Assets ? 0.01%
+1.1% YoY
-0.49% 0.50%
+10.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 2.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing n/a n/a 21.0% 25.5% 22.2% n/a
Brokered Deposits 18.5%
-6.8pp YoY
+0.8pp QoQ
 +9.2pp 9.2% 11.0% 8.5% 88%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I n/a n/a 17.2% 11.8% 12.5% n/a
CRE n/a n/a 42.0% 67.5% 41.4% n/a
1-4 Family 100.1%
+4.7pp YoY
0.0pp QoQ
 +77.0pp 23.1% 16.5% 31.3% 98%
Consumer n/a n/a 12.9% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 39.0%
+5.4pp YoY
+1.7pp QoQ
 +23.7pp 15.3% 23.7% 19.7% 96%
Leverage Ratio 12.4%
+0.5pp YoY
0.0pp QoQ
 +2.0pp 10.4% 14.5% 12.6% 89%
Total Capital Ratio 39.3%
+5.5pp YoY
+1.7pp QoQ
 +22.8pp 16.5% 25.1% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees n/a n/a 3,258 337 482 n/a
Assets per Employee ($) n/a n/a $27.0M $11.3M $8.8M n/a
Branch Count 1
0 YoY
0 QoQ
 -137 137 15 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.4% 0.3% 0.4% n/a
Nonaccrual 0.7%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.7% 1.4% 1.0% 52%
Allowance Coverage 0.23x
+30.3% YoY
+4.8% QoQ
 -2.58x 2.81x 17.11x 20.23x 2%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.4pp 0.4% 0.3% 0.2% 2%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 6.1%
+1.1pp YoY
+0.2pp QoQ
 -6.6pp 12.6% 8.2% 11.6% 9%
Cost of Funds (YTD) 1.8%
-0.4pp YoY
+0.1pp QoQ
 -0.1pp 2.0% 1.9% 1.7% 48%
Net Income ($, YTD) $58.0M
+28.9% YoY
— QoQ
 -$238.8M $296.8M $28.5M $40.4M 9%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#1 of 26 • Bottom 0.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.77%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
26 of 26 Large banks match · 719 nationally
→ Stable +34 banks QoQ

Liquidity Overhang

risk
#3 of 22 • Bottom 9.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 39.00%
(Tier: 15.35%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 76.58%
(Tier: 82.61%, National: 79.03%)
better than tier avg
22 of 22 Large banks match · 940 nationally
→ Stable +7 banks QoQ

Deposit Outflow

decline
#10 of 18 • Bottom 50.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

18 of 18 Large banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (2 metrics)

5
Tier 1 Capital Ratio
capital
Value: 39.00%
Peer Median: 15.35%
#5 of 139 Top 2.9% in $10B-$250B
22
Efficiency Ratio
profitability
Value: 42.96%
Peer Median: 53.67%
#22 of 139 Top 15.1% in $10B-$250B

Top Weaknesses (7 metrics)

137
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.50%
#137 of 139 Bottom 2.2% in $10B-$250B
137
Non-Interest-Bearing Deposit Share
funding
Value: 0.00%
Peer Median: 20.58%
#137 of 139 Bottom 2.2% in $10B-$250B
135
Net Interest Margin
profitability
Value: 1.78%
Peer Median: 3.92%
#135 of 139 Bottom 3.6% in $10B-$250B
125
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.39%
#125 of 139 Bottom 10.8% in $10B-$250B
113
Total Loans
size
Value: $9.42B
Peer Median: $27.97B
#113 of 139 Bottom 19.4% in $10B-$250B
111
Total Deposits
size
Value: $12.31B
Peer Median: $35.42B
#111 of 139 Bottom 20.9% in $10B-$250B
111
Total Assets
size
Value: $14.81B
Peer Median: $43.60B
#111 of 139 Bottom 20.9% in $10B-$250B
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