BlastPoint's Banking Scorecard

Bank of America, National Association

$250B+ Specialty: Other NC FDIC cert 3510

Charlotte, NC

3,601 branches across CA · FL · TX · NY · NJ · MA · GA · IL · WA · MD · NC · AZ · VA · CT · MI · PA · SC · NV · TN · MO · OH · CO · OR · UT · KS · RI · MN · DC · OK · AR · IN · NM · NH · ME · DE · KY · ID · IA · NE

16 banks in the $250B+ peer group nationally 2 in NC

View $250B+ leaderboard (NC) →

Bank of America, National Association has 3 strengths but faces 2 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

+ Credit Quality Leader: Top 0.1% in tier
+ Non-Interest-Bearing Deposit Share 9.38% above tier average
+ Efficiency Ratio 1.79% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 50.0% in tier
- Net Interest Margin 0.55% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$2,672.2B +2.2% YoY +1.3% QoQ	+$1,665.1B	$1,007.1B -0.5% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	Top 6.2% in tier
Total Loans ?	$1,191.6B +8.8% YoY +2.1% QoQ	+$755.4B	$436.2B +3.5% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	Top 6.2% in tier
Total Deposits ?	$2,128.0B +2.7% YoY +1.2% QoQ	+$1,361.0B	$767.0B -1.7% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	Top 6.2% in tier
Return on Assets ?	1.12% +1.9% YoY -3.2% QoQ	-0.03%	1.15% +9.3% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	38%
Net Interest Margin ?	2.50% +1.8% YoY +0.0% QoQ	-0.55%	3.05% +6.7% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	31%
Efficiency Ratio ?	54.10% -5.2% YoY +3.5% QoQ	-1.79%	55.89% +3.9% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.69% -10.1% YoY -3.3% QoQ	-0.23%	0.92% -4.7% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	55.99% +5.9% YoY +0.9% QoQ	-2.65%	58.65% +11.5% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	27.98% +0.3% YoY +1.7% QoQ	+9.38%	18.60% +9.6% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	Top 6.2% in tier
Nonperforming Asset Ratio ?	0.37% -8.3% YoY -3.4% QoQ	-0.11%	0.48% +3.7% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	62%
Tier 1 Capital Ratio ?	12.17% -8.9% YoY -2.4% QoQ	-1.83%	14.00% -15.5% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.30% +5.1% YoY -74.8% QoQ	-0.04%	0.35% -0.9% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	44%

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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 (1)

Credit Quality Leader

growth

#1 of 4 • Top 0.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.69%

(Tier: 0.92%, National: 0.95%)

better than tier avg

4 of 4 Titans banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (1)

Capital Thin

risk

#3 of 4 • Bottom 50.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 12.17%

(Tier: 14.00%, National: 17.06%)

worse than tier avg

4 of 4 Titans banks match · 926 nationally

→ Stable +3 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 16 peers in $250B+

Top Strengths (5 metrics)

Total Assets

size

Value: $2672.19B

Peer Median: $1007.12B

#2 of 16 Top 6.2% in $250B+

Total Loans

size

Value: $1191.56B

Peer Median: $436.18B

#2 of 16 Top 6.2% in $250B+

Total Deposits

size

Value: $2128.00B

Peer Median: $767.04B

#2 of 16 Top 6.2% in $250B+

Non-Interest-Bearing Deposit Share

funding

Value: 27.98%

Peer Median: 18.60%

#2 of 16 Top 6.2% in $250B+

Delinquency Rate

credit_quality

Value: 0.69%

Peer Median: 0.92%

#4 of 16 Top 18.8% in $250B+

Top Weaknesses (1 metrics)

Tier 1 Capital Ratio

capital

Value: 12.17%

Peer Median: 14.00%

#13 of 16 Bottom 25.0% in $250B+