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Examined: Sat, 25 Apr 2026 19:36:09 GMT

Bank of America, National Association

RSSD 480228 · NC · Total assets $2,636,823M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
1 finding
L
Liquidity
2
0 findings
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Earnings Procedure E-02

Net interest margin materially compressed

Citation
FFIEC UBPR User's Guide §IV — Earnings Analysis; OCC Comptroller's Handbook, "Interest Rate Risk"
Evidence
Year-to-date net interest margin is 2.50%. Compressed margin can reduce core earnings capacity and may indicate asset-yield pressure, funding-cost pressure, interest-rate-risk exposure, or adverse balance-sheet mix.
Recommended action
Provide management's margin analysis, including earning-asset yields, funding costs, repricing gaps, deposit betas, and modeled sensitivity to parallel and nonparallel rate shocks. Document board-approved actions to restore sustainable margin without assuming excessive credit, liquidity, or interest-rate risk.

Key ratios computed

Tier 1 ratio
13.46%
↑ rank 12 of 16 · global
Tier 1 leverage
7.63%
↑ rank 14 of 16 · global
Total capital
14.49%
↑ rank 14 of 16 · global
NPL ratio
0.78%
ACL coverage
154.73%
CRE concentration
8.93%
Construction conc.
5.51%
ROA (annualized)
1.06%
↑ rank 8 of 16 · global
NIM
2.50%
↑ rank 10 of 16 · global
Efficiency ratio
56.52%
↓ rank 9 of 16 · global
Loans / Deposits
53.40%
Brokered / Deposits
4.46%
Uninsured / Deposits
42.26%
Liquid asset ratio
9.61%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$2,589,060M
23Q03$2,518,290M 23Q06$2,449,804M 23Q09$2,465,234M 23Q12$2,540,116M 24Q03$2,550,363M 24Q06$2,550,584M 24Q09$2,565,878M 24Q12$2,589,060M
Tier 1 leverage
7.63%
23Q037.84% 23Q067.62% 23Q097.73% 23Q127.59% 24Q037.61% 24Q067.63% 24Q097.64% 24Q127.63%
Tier 1 RBC ratio
13.46%
23Q0313.35% 23Q0613.29% 23Q0913.32% 23Q1213.45% 24Q0313.50% 24Q0613.53% 24Q0913.40% 24Q1213.46%
ROA (YTD ann.)
1.06%
23Q031.34% 23Q061.31% 23Q091.31% 23Q121.16% 24Q031.01% 24Q061.04% 24Q091.06% 24Q121.06%
NIM (YTD ann.)
2.50%
23Q032.81% 23Q062.78% 23Q092.76% 23Q122.71% 24Q032.54% 24Q062.50% 24Q092.50% 24Q122.50%
Efficiency ratio
56.5%
23Q0352.5% 23Q0652.9% 23Q0953.0% 23Q1256.5% 24Q0359.7% 24Q0657.5% 24Q0956.8% 24Q1256.5%

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