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Bank Of America, National Association
Charlotte, NC · FDIC Certificate #3510 · Chartered 10/1
Total assets
$2.65T
Total deposits
$2.12T
Total equity
$240.79B
Net loans
$1.20T
Branches (offices)
3,598
Net income (YTD)
$14.95B
Rank: #2 of 4,213 U.S. banks by assets · #1 of 38 in North Carolina. Assets changed -0.4% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 12.31% |
| Net interest margin (YTD) | 2.53% |
| Equity to assets | 9.07% |
| Tier 1 leverage ratio | 7.11% |
| Uninsured deposits (share of deposits) | 42.4% |
| Noncurrent loans (share of loans) | 0.65% |
| Net charge-offs (share of loans) | 0.47% |
| Loans to deposits | 56.5% |
| Real estate loans (share of loans) | 28.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $340.75B | 28.4% | |
| Commercial & industrial | $323.45B | 27.0% | |
| Consumer / individual | $152.46B | 12.7% | |
| Construction & development | $9.68B | 0.8% | |
| Agricultural | $564.00M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.44T | $2.08T | $11.64B | $230.92B |
| Jun 2023 | $2.45T | $1.99T | $16.18B | $230.01B |
| Jun 2024 | $2.55T | $2.02T | $13.22B | $239.36B |
| Jun 2025 | $2.67T | $2.11T | $14.55B | $250.54B |
| Jun 2026 | $2.65T | $2.12T | $14.95B | $240.79B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $452.51B | 686 |
| North Carolina | $304.65B | - |
| Texas | $199.80B | 313 |
| Florida | $170.34B | 414 |
| New York | $127.46B | 251 |
| Massachusetts | $100.45B | 146 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.98T.
Similar-sized banks
Jpmorgan Chase Bank, National Association ($4.09T) · Citibank, National Association ($1.98T)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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