FDIC Cert #3510 · Charlotte, North Carolina · Est. 1904

Bank of America, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$2.64T
Total assets
A
Health grade · Excellent
1.15%
Return on assets
12.5%
Tier 1 capital

Data updated July 2026

The verdict

Bank of America, National Association earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.47% Tier 1, profitable at 1.15% ROA, efficient (52% cost ratio).

#2
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
12.47%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 3510 · NC A · 87/100

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

  • GRADE-A A (87/100)
  • MID-PACK #1145/4307
  • PHOTO-FINISH Grand Ridge National… · IL
  • TIER1-WELL 12.5% Tier 1
  • TEXAS-CLEAN 3.2% Texas
  • ROA-PAR 1.15% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Grand Ridge National Bank, IL (±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

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

Morgan Stanley Bank,… · UT ·…100/100Bank of America, Nat… · NC ·…87/100Bank of Houston · TX · near87/100First Mid Bank & Tru… · IL ·…87/100First National Bank · AR · n…87/100Grand Ridge National… · IL ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of America · July 2026

What Bank of America's Call Report plate shows

Bank of America, National Association (FDIC Cert #3510) carries a PlainBankData health grade of A at 87/100, 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 #1,145 of 4,307. Tier 1 capital prints at 12.47%, clearing the 10% well-capitalized line. The Texas Ratio is 3.21%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.15%. Balance-sheet scale is $2.64T, 2nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Grand Ridge National Bank (IL), 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

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

Bank of America, National Association's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of America, National Association remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

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

How Bank of America, National Association's 87/100 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 avg77/10087/100
Bank of America, National Association's composite health score
Tier 1 Capital Ratio (12.47%) 35/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (3.21%) 20/20
Efficiency Ratio (52.27%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.64T

Total balance-sheet footings

Total Deposits

$2.10T

Customer-funded liabilities

Net Loans

$1.17T

Outstanding loan book

Net Income

$30.4B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.07% 12.47% 13.87%
Basel III capital ratios - Bank of America, National Association

Where Bank of America, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of America, National Association's score of 87/100 falls in the highlighted band.

Bank of America, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% 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 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, 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, National Association's $2.64T falls in the highlighted band.

Safety ratios for Bank of America

Tier 1 capital ratio
Well-capitalized 10%

12.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.47%
Texas Ratio
3.21%
Equity Capital
$246.3B

What these ratios mean →

Earnings posture at Bank of America

Return on Assets (ROA)
54th percentile nationally
1.15%
Return on Equity (ROE)
12.24%
Efficiency Ratio
52.27%

What these mean →

Income & expense at Bank of America

$104.4B
Interest Income
$32.0B
Non-Interest Income
$48.0B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of America, National Association reports a Texas Ratio of 3.21% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.21% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

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

National size peers: banks closest to Bank of America, National Association by assets

Bank of America, National Association is closely matched in total assets by Citibank, Wells Fargo Bank, JPMorgan Chase Bank, U.S. 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 1.12%, versus Bank of America, National Association's own 1.15%; the average efficiency ratio is 51.84%, versus 52.27% here; and average Tier 1 capital sits at 14.09%, versus 12.47% at Bank of America, 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 $2.64T in assets, Bank of America, National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Bank of America, National Association nationally by total assets
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  4. 4
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  5. 5
    Capital One $658.5B

    Mclean, VA · Grade B

  6. 6
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

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, National Association (this bank) NC $2.64T 1.15% 52.27% 12.47%
Citibank, National Association SD $1.84T 0.85% 55.60% 14.33%
Wells Fargo Bank, National Association SD $1.82T 1.41% 55.41% 12.81%
JPMorgan Chase Bank, National Association OH $3.75T 1.34% 52.37% 15.29%
U.S. Bank National Association OH $676.1B 1.18% 55.44% 13.02%
Capital One, National Association VA $658.5B 0.55% 52.98% 13.44%
Goldman Sachs Bank USA NY $645.0B 1.42% 39.21% 15.63%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.64T here), outside North Carolina so the neighborhood is not state containment.

Citibank $1.84T · SD Wells Fargo Bank $1.82T · SD JPMorgan Chase Bank $3.75T · OH U.S. Bank $676.1B · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of America, National Association (FDIC Cert #3510) - 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, National Association Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Truist BankCharlotte $539.5B A 1.04%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%
First Carolina BankRocky Mount $3.3B C 0.51%