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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 25178 · CA A · 86/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (86/100)
  • MID-PACK #1297/4307
  • PHOTO-FINISH Woori America Bank · NY
  • TIER1-WELL 36.9% Tier 1
  • TEXAS-CLEAN 3.5% Texas
  • ROA-THIN 0.54% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Woori America Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of America California

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of America Cali… · CA ·…86/100Bradesco Bank · FL · near86/100NexBank · TX · near86/100Woori America Bank · NY · ne…86/100Yakima Federal Savin… · WA ·…86/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of America California · July 2026

Call Report read for Bank of America California in a high-failure state

Bank of America California, National Association (FDIC Cert #25178) carries a PlainBankData health grade of A at 86/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,297 of 4,307. Tier 1 capital prints at 36.85%, clearing the 10% well-capitalized line. The Texas Ratio is 3.53%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.54%. Balance-sheet scale is $15.5B, 123rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Woori America Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of America California

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Bank of America California, National Association sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Bank of America California, National Association's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

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.

0/100100/100National avg77/10086/100
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 Assets

$15.5B

Total balance-sheet footings

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

0% 10% 20% 30% 40% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 35.45% 36.85% 38.25%
Basel III capital ratios - Bank of America California, National Association

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

86 Top 30% higher than 70% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of America California 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Bank of America California

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

What these ratios mean →

Profitability metrics: Bank of America California

Return on Assets (ROA)
17th percentile nationally
0.54%
Return on Equity (ROE)
4.55%
Efficiency Ratio
52.30%

What these mean →

Income & expense at Bank of America California

$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.

FDIC Failed Bank List → View Bank of America California, National Association on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Bank of America California, National Association nationally by total assets
  1. 1
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

  2. 2
    First Financial Bank $15.4B

    Abilene, TX · Grade A

  3. 3
    Citizens Business Bank $15.6B

    Ontario, CA · Grade A

  4. 4
    Dime Community Bank $15.3B

    Hauppauge, NY · Grade A

  5. 5
    NBT Bank $15.9B

    Norwich, NY · Grade B

  6. 6
    Bank of Baroda $15.9B

    New York, NY · Grade F

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($15.5B here), outside California so the neighborhood is not state containment.

Toyota Financial Savings Bank $15.4B · NV First Financial Bank $15.4B · TX Dime Community Bank $15.3B · NY NBT Bank $15.9B · NY

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.

Bank of America California, National Association Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
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%