BlastPoint's Banking Scorecard
Bank of America, National Association
Charlotte, NC
3,594 branches across CA · FL · TX · NY · NJ · MA · GA · IL · WA · MD · NC · AZ · VA · CT · MI · PA · SC · TN · NV · OH · MO · CO · OR · UT · KS · RI · MN · DC · OK · AR · IN · NM · NH · ME · DE · KY · ID · IA · NE
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 18 banks in the $250B+ peer group nationwide — 1 of 2 in NC.
- Deposits +0.6% year over year ($2,121.8B on the books).
- Delinquency rate 0.66%.
- Return on assets 1.13%.
- Efficiency ratio 53.91% vs a 52.80% peer average.
- Loan-to-deposit ratio 56.48% vs a 59.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of America, National Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.36% above tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 0.1% in tier
- - Flatlined Growth: Bottom 0.1% in tier
- - Net Interest Margin 0.42% below tier average
- - Efficiency Ratio 1.11% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2,654.6B
-0.4% YoY
-0.7% QoQ
|
+$1,718.4B |
$936.3B
-15.8% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
Top 5.6% in tier |
| Total Loans ? |
$1,198.4B
+6.1% YoY
+0.6% QoQ
|
+$788.9B |
$409.5B
-13.1% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
Top 5.6% in tier |
| Total Deposits ? |
$2,121.8B
+0.6% YoY
-0.3% QoQ
|
+$1,408.6B |
$713.2B
-15.8% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
Top 5.6% in tier |
| Return on Assets ? |
1.13%
+1.5% YoY
+0.8% QoQ
|
-0.05% |
1.17%
+26.8% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
2.53%
+2.6% YoY
+0.9% QoQ
|
-0.42% |
2.94%
-1.8% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
53.91%
-2.9% YoY
-0.4% QoQ
|
+1.11% |
52.80%
-5.4% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
61% |
| Delinquency Rate ? |
0.66%
-8.5% YoY
-5.1% QoQ
|
-0.13% |
0.78%
-21.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
56.48%
+5.5% YoY
+0.9% QoQ
|
-2.56% |
59.04%
+5.5% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
28.66%
+2.4% YoY
+2.4% QoQ
|
+12.36% |
16.30%
-11.5% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Top 0.1% in tier |
| Nonperforming Asset Ratio ? |
0.38%
+8.0% YoY
+3.8% QoQ
|
-0.03% |
0.42%
-12.7% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
12.10%
-8.7% YoY
-0.6% QoQ
|
-3.11% |
15.20%
+5.2% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.62%
+14.1% YoY
+102.4% QoQ
|
-0.02% |
0.64%
-10.8% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
50% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.7%
+0.7pp YoY +0.7pp QoQ |
+12.4pp | 16.3% | 21.8% | 22.2% | 94% |
| Brokered Deposits |
3.8%
-0.5pp YoY 0.0pp QoQ |
-3.2pp | 7.0% | 7.7% | 8.5% | 50% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
27.0%
-0.2pp YoY +0.6pp QoQ |
+7.4pp | 19.6% | 10.5% | 12.5% | 69% |
| CRE |
6.7%
0.0pp YoY +0.1pp QoQ |
-5.6pp | 12.2% | 46.3% | 41.4% | 20% |
| 1-4 Family |
21.3%
-1.0pp YoY 0.0pp QoQ |
+0.7pp | 20.6% | 44.2% | 31.3% | 59% |
| Consumer |
12.7%
-0.6pp YoY -0.2pp QoQ |
-4.2pp | 16.9% | 1.6% | 5.0% | 40% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
-1.2pp YoY -0.1pp QoQ |
-3.1pp | 15.2% | 22.8% | 19.7% | 22% |
| Leverage Ratio |
7.1%
-0.5pp YoY 0.0pp QoQ |
-1.6pp | 8.8% | 14.4% | 12.6% | 17% |
| Total Capital Ratio |
13.1%
-1.2pp YoY -0.1pp QoQ |
-3.2pp | 16.3% | 23.8% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
133,777
-1866 (-1.4%) YoY -2279 (-1.7%) QoQ |
+70,218 | 63,559 | 5,103 | 482 | 78% |
| Assets per Employee ($) |
$19.8M
+1.0% YoY +1.0% QoQ |
-$41.2M | $61.1M | $9.4M | $8.8M | 72% |
| Branch Count |
3,598
-42 (-1.2%) YoY -12 (-0.3%) QoQ |
+2,190 | 1,407 | 170 | 18 | 83% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.4% | 46% |
| Nonaccrual |
0.7%
0.0pp YoY +0.1pp QoQ |
+0.1pp | 0.6% | 0.7% | 1.0% | 50% |
| Allowance Coverage |
1.67x
+1.6% YoY +4.5% QoQ |
-0.47x | 2.14x | 3.36x | 20.23x | 50% |
| Net Charge-off Rate (YTD) |
0.5%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.5% | 0.1% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.3%
+0.6pp YoY +0.2pp QoQ |
-0.1pp | 12.4% | 8.7% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 2.2% | 1.8% | 1.7% | 17% |
| Net Income ($, YTD) |
$14.9B
+2.7% YoY — QoQ |
+$9.1B | $5.9B | $518.0M | $40.4M | 89% |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.