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Bank of America California, National Association
San Francisco, CA·FDIC Cert #25178·Charter: OCC·Est. 19840518.0·HC: BANK OF AMERICA CORP
Total Assets
$15.5B
Q4 2025
Return on Assets
0.54%
+0.03%Peer avg: 1.18%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.30%
Peer avg: 54.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.54%+0.03
ROE
4.55%+0.19
Efficiency
52.30%-1.68
Equity/Assets
0.00%+0.00
NPL Ratio
0.69%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
74.27%-4.73
Charge-offs
0.00%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.5 | 0.4 | 0.4 | 0.6 | 0.6 | 0.5 | 0.5 |
| ROE | 4.3 | 3.3 | 2.7 | 3.5 | 4.8 | 4.9 | 4.4 | 4.5 |
| Efficiency | 38.2 | 46.7 | 54.5 | 44.9 | 49.2 | 48.7 | 54.0 | 52.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.7 | 0.8 | 0.7 | 0.7 | 0.7 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 105.5 | 95.8 | 82.8 | 84.0 | 79.4 | 85.4 | 79.0 | 74.3 |
Balance Sheet
Total Assets$15.5B
Total Deposits$13.1B
Total Loans$9.7B
Total Equity$1.9B
Profitability
ROA0.54%
ROE4.55%
Efficiency Ratio52.30%
Net Income$84.0M
Risk & Asset Quality
NPL Ratio0.69%
Charge-off Rate0.00%
Loan/Deposit74.27%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans