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Bank of America, National Association
Charlotte, NC·FDIC Cert #3510·Charter: OCC·Est. 19041017.0·HC: BANK OF AMERICA CORP
Total Assets
$2.6T
Q4 2025
Return on Assets
1.15%
+0.01%Peer avg: 1.20%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.27%
Peer avg: 54.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.15%+0.01
ROE
12.24%+0.15
Efficiency
52.27%-2.50
Equity/Assets
0.00%+0.00
NPL Ratio
0.71%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
55.51%+0.70
Charge-offs
0.49%-0.02
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 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 |
| ROE | 10.8 | 11.1 | 11.3 | 11.3 | 11.6 | 11.8 | 12.1 | 12.2 |
| Efficiency | 59.7 | 57.5 | 56.8 | 56.5 | 57.1 | 55.5 | 54.8 | 52.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.7 | 0.7 | 0.7 |
| Charge-offs | 0.6 | 0.6 | 0.6 | 0.6 | 0.5 | 0.5 | 0.5 | 0.5 |
| Loan/Deposit | 50.5 | 51.6 | 52.8 | 52.8 | 52.9 | 53.6 | 54.8 | 55.5 |
Balance Sheet
Total Assets$2.6T
Total Deposits$2.1T
Total Loans$1.2T
Total Equity$246.3B
Profitability
ROA1.15%
ROE12.24%
Efficiency Ratio52.27%
Net Income$30.4B
Risk & Asset Quality
NPL Ratio0.71%
Charge-off Rate0.49%
Loan/Deposit55.51%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans