Total Assets
$15.5B
Total balance-sheet footings
FDIC Cert #25178 · San Francisco, California · Est. 1984
Bank of America California, National Association - FDIC Bank Health Profile
A community-scale look at Bank of America California, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $15.5B
- Total assets
- A
- Health grade · Excellent
- 0.54%
- Return on assets
- 36.9%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of America California, National Association earns a PlainBankData health grade of A (86/100), with well-capitalized at 36.85% Tier 1, 0.54% ROA, efficient (52% cost ratio).
- #123
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 36.85%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Bank of America California, National Association's 86/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of America California, National Association's composite health score
Tier 1 Capital Ratio (36.85%) 40/40
Return on Assets (ROA) (0.54%) 14/25
Texas Ratio (3.53%) 20/20
Efficiency Ratio (52.30%) 12/15
86 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$13.1B
Customer-funded liabilities
Net Loans
$9.7B
Outstanding loan book
Net Income
$84M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of America California, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of America California, National Association's score of 86/100 falls in the highlighted band.
Bank of America California, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of America California, National Association's $15.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
36.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
36.85%
Texas Ratio
3.53%
Equity Capital
$1.9B
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.54%
Return on Equity (ROE)
4.55%
Efficiency Ratio
52.30%
What the numbers say about Bank of America California, National Association
Bank of America California, National Association is an FDIC-insured institution (Certificate #25178) headquartered in San Francisco, California, established in 1984. It holds $15.5B in total assets - 123rd of 4,313 FDIC-insured banks, $13.1B in customer deposits, and $9.7B in net loans. On safety, its Tier 1 capital ratio of 36.85% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.53% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (86/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Bank of America California, National Association's asset base places it among the largest FDIC-insured institutions in the country, 123rd of 4,313 nationally, and 9th of 121 banks headquartered in California. Only Citizens Business Bank ($15.6B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$568M
Interest Income
$1M
Non-Interest Income
$125M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of America California, National Association reports a Texas Ratio of 3.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
National size peers: banks closest to Bank of America California, National Association by assets
Bank of America California, National Association is closely matched in total assets by Toyota Financial Savings Bank, First Financial Bank, Citizens Business Bank, Dime Community Bank across 4 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.88%, versus Bank of America California, National Association's own 0.54%; the average efficiency ratio is 45.87%, versus 52.30% here; and average Tier 1 capital sits at 12.65%, versus 36.85% at Bank of America California, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $15.5B in assets, Bank of America California, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Bank of America California, National Association (this bank) | CA | $15.5B | 0.54% | 52.30% | 36.85% |
| Toyota Financial Savings Bank | NV | $15.4B | 0.30% | 73.28% | 15.74% |
| First Financial Bank | TX | $15.4B | 1.64% | 45.67% | 18.18% |
| Citizens Business Bank, National Association | CA | $15.6B | 1.39% | 42.42% | 15.66% |
| Dime Community Bank | NY | $15.3B | 0.87% | 53.42% | 14.40% |
| NBT Bank, National Association | NY | $15.9B | 1.06% | 60.43% | 11.92% |
| Bank of Baroda | NY | $15.9B | 0.00% | 0.00% | 0.00% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of America California, National Association (FDIC Cert #25178) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Bank of America California, National Association's health grade?▼
Bank of America California, National Association receives a health grade of A (86/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of America California, National Association?▼
Bank of America California, National Association holds $15.5B in total assets and $13.1B in deposits, ranking 123rd of 4,313 FDIC-insured banks by asset size. It is headquartered in San Francisco, California.
Is my money safe at Bank of America California, National Association?▼
Yes, deposits at Bank of America California, National Association (Certificate #25178) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of America California, National Association's Tier 1 Capital Ratio?▼
Bank of America California, National Association has a Tier 1 Capital Ratio of 36.85%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of America California, National Association?▼
Bank of America California, National Association has a Texas Ratio of 3.53%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of America California, National Association?▼
Bank of America California, National Association has an Efficiency Ratio of 52.30%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of America California, National Association's profile as a depositor or analyst.
- Bank of America California, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of America California, National Association against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.