BlastPoint's Banking Scorecard

Bank of America California, National Association

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

San Francisco, CA

137 banks in the $10B-$250B peer group nationally 10 in CA

Bank of America California, National Association has 2 strengths but faces 6 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 9.89% below tier average
+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 0.1% in tier
- Liquidity Overhang: Bottom 4.2% in tier
- Net Interest Margin 1.99% below tier average
- Non-Interest-Bearing Deposit Share 20.04% below tier average
- Non-Interest Income / Assets 0.22% below tier average
- ROA 0.55% below tier average

Get updates when Bank of America California, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$15.1B -6.2% YoY -2.4% QoQ	-$31.8B	$47.0B -1.9% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$9.7B -8.0% YoY +0.1% QoQ	-$19.6B	$29.4B -0.4% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$12.6B -5.1% YoY -3.4% QoQ	-$25.8B	$38.4B -1.6% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	0.73% +32.2% YoY +34.6% QoQ	-0.55%	1.28% +18.7% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 12.4% in tier
Net Interest Margin ?	1.79% +19.5% YoY +15.3% QoQ	-1.99%	3.77% +5.8% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Bottom 3.6% in tier
Efficiency Ratio ?	44.12% -10.2% YoY -15.6% QoQ	-9.89%	54.01% -3.7% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.67% -0.5% YoY -3.1% QoQ	-0.35%	1.02% -3.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	76.99% -3.1% YoY +3.7% QoQ	-3.80%	80.79% +1.9% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	0.00%	-20.04%	20.04% +0.2% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 2.9% in tier
Nonperforming Asset Ratio ?	0.44% +0.6% YoY -1.9% QoQ	-0.28%	0.72% +4.2% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	37.26% +13.7% YoY +1.1% QoQ	+21.74%	15.51% -0.4% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 2.9% in tier
Non-Interest Income / Assets ?	0.00% -100.0% QoQ	-0.22%	0.22% +0.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 2.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Deposit Outflow

decline

#1 of 18 • Bottom 0.1% in tier

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

18 of 18 Large banks match · 656 nationally

→ Stable -8 banks QoQ

Liquidity Overhang

risk

#2 of 24 • Bottom 4.2% 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: 37.26%

(Tier: 15.51%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 76.99%

(Tier: 80.79%, National: 76.70%)

better than tier avg

24 of 24 Large banks match · 939 nationally

→ Stable +13 banks QoQ

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).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 37.26%

Peer Median: 15.51%

#5 of 137 Top 2.9% in $10B-$250B

Efficiency Ratio

profitability

Value: 44.12%

Peer Median: 54.01%

#24 of 137 Top 16.8% in $10B-$250B

Top Weaknesses (7 metrics)

135

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.22%

#135 of 137 Bottom 2.2% in $10B-$250B

134

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 20.04%

#134 of 137 Bottom 2.9% in $10B-$250B

133

Net Interest Margin

profitability

Value: 1.79%

Peer Median: 3.77%

#133 of 137 Bottom 3.6% in $10B-$250B

121

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.28%

#121 of 137 Bottom 12.4% in $10B-$250B

108

Total Deposits

size

Value: $12.64B

Peer Median: $38.42B

#108 of 137 Bottom 21.9% in $10B-$250B

108

Total Loans

size

Value: $9.73B

Peer Median: $29.36B

#108 of 137 Bottom 21.9% in $10B-$250B

108

Total Assets

size

Value: $15.13B

Peer Median: $46.96B

#108 of 137 Bottom 21.9% in $10B-$250B