# BANK OF AMERICA NA
CHARLOTTE, NC · FDIC certificate 3510 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2654.64B | |
| Deposits | $2121.80B | |
| Loans and leases | $1211.49B | |
| Total equity | $240.79B | |
| Loans / deposits | 56.48% (p34 of band) | 72.53% |
| Liquid assets / assets | 42.17% (p72 of band) | |
| Uninsured deposits / deposits | 42.40% (p50 of band) | 42.66% |
| Brokered deposits | 3.04% | |
| Wholesale funding | 10.27% (p50 of band) | |
| FHLB advances / assets | 0.55% | |
| Tier 1 leverage | 7.11% (p16 of band) | 9.44% |
| Unrealized securities loss / equity | -35.05% (p9 of band) | -9.97% |
| AOCI / equity | -0.73% (p53 of band) | |
| ROA (annualized) | 1.13% (p44 of band) | 1.18% |
| Net interest margin | 2.53% (p31 of band) | 3.14% |
| Efficiency ratio | 53.91% (p41 of band) | |
| Noncurrent loans | 0.65% (p31 of band) | 0.85% |
| Net charge-offs (annualized) | 0.21% (p56 of band) | |
| Reserve coverage of noncurrent | 166.80% | |
| Real estate % of loans | 28% | |
| Construction % of loans | 4.02% (p38 of band) | |
| Auto loans | $37.48B (3.09% of loans; DQ 0.97%, NCO 0.01%) | |
| Loans to nondepository financials | $156.94B (65% of equity) (p66 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 133777 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 3 | NIM <2.5% |  |
| 2014-12 | 2 |  | NIM <2.5% |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | noncurrent p90, capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | NIM <2.5% | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking | NIM <2.5% |
| 2023-06 | 1 |  | deposits shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | NIM <2.5% |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | capital falling, loans-to-lenders >50% equity |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | NIM <2.5% |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-09 [Bank of America, N.A. Announces Redemptions of $2,000,000,000 5.526% Senior Bank Notes and $600,000,000 Floating Rate Senior Bank Notes, Due August 2026 - PR Newswire](https://news.google.com/rss/articles/CBMiqgJBVV95cUxQUDNrN2tSMFZiUUFWcGxHZVZ2azI5LW8tUm9CdllWeVhIT05zX0VnUnFDX005d0tLbE02aWFmUndKSkJVN0h6clc1eHJURURYZUJtUGRsNERXeDQtaVN1SnYxLTdqX1dCUEpFVGlUMmloQVNsMGwtVDhCNlY4WlBOeUlwdFJYU3VMMG5PZXFmTU5haFB4dnlfeXlEaTA0WlVZSUMycEV4cEltNDBiVWlFX01UaEZPSGQ0d0pCV21NS2RkTW0tTFc0VVJvMmRKa0dCaUZqRjVsNTI2cU1sTktJTVBCMUdqRGJHOWM0WDRLZ1NBcnVTbjdUVm5pRVByTEswbG9wa0J0QU5nZXVIWDhIcHhYY1E5YlZqcHN6cVFTYnlsZS1ZZFVuZThB?oc=5) · PR Newswire
- 2026-03-19 [BofA Teams with Visa to Offer Cardholders a Chance to Win a Trip to the FIFA World Cup 2026™ - Bank of America](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQWVRZNjQxZGNuRnFUeFRDVTNqYTAybTBMVDg2N3ViQjhjMzNyUE5FWk1qQl9qaFVCNHl6aUx6NWs4aXpSN3k5aUIwOTFEOV9kUkZhdE9Nc2FPUUtjczRCXzk3QnVESTZyaGRhM3NDQ0NuU2JyVl81RnczNjdYRWZDTHRPOEJHcGVsNlBwQzN6QXR4S2hwbzdwLTlkQnA1bllNOVVPY2pQSFhwdV8wbjZYbWxUNkY3WVZnaWpUdzhHVU1Cdm9mNjh3QWc5Rnk0a1N0SW9jMTliVU1Obnht?oc=5) · Bank of America
- 2026-07-09 [Bank of America calls $2.6B in notes due in August 2026 - stocktitan.net](https://news.google.com/rss/articles/CBMiugFBVV95cUxQWExKeGFYX21WQWV5NTlhNzhfX3Y4dXprUW9HcnRJUG5ROWNnV2VmV041UWJwZkF2ZnZ5czFxUEZNV1hUc05uUUREVGZ4T0NLcHNDX0NTUnJOQk5IOXl3ZDBGcmhHM0NnV1gwZWJKQ0xTSE53cDJod2RiZnR3MXlhMWtibUxpRnNQU21YcWZvczVCeUxzU3dieU03SWtzUmI3NU1xZ1dIMUZOTnJHQUhRZHcyN2VJMnN1eFE?oc=5) · stocktitan.net
- 2026-05-11 [Attention Bank of America customers: You may qualify for a new $2.25 million class action settlement! - Claim Depot](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9GZ2hoN3Nla3Bmbm51UTJ3QWJrTV9VSVAwTUFldGd6NzdNNzFwV2ZLT01rQW9EWnM0bERPaEd6Z3VobVJ2Q2MwQXBqSFNrUnBCRkVoNUxJTEQ0SUE2ZF9CT0pTMURlQm5h?oc=5) · Claim Depot
- 2026-04-07 [Bank of America Named No. 1 Nonprofit OCIO Provider Globally in 2025 - PR Newswire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPNmZIVlRodnk1eXhBS0FEcWR5bEt1V1c2bEQwU3lwN2l0aHFocHluaS1HNU4yQ1ZNU1praWV4cVh6ZU1DUC1UMkEyLXVCV2FCWllMdnQyZjN2dUNkNWFqNE1LbXJYd205Ykx2TmlPaDZjTndIaWhBb1lUWG1maTVkU3pubV9sQlJQUWV3UG9PWEJxdnN2WEpWTlJESFluZkxHSjVQMjdCNlBsLWF3bUxpcC1wQTF5UjdZcWJ3emFWQ2c?oc=5) · PR Newswire
- 2026-07-09 [Bank of America to redeem $2.6 billion in senior notes By Investing.com - Investing.com Canada](https://news.google.com/rss/articles/CBMiswFBVV95cUxQNmdnWGhxLXd1YnJkUWVndEVGMmJvVnhmMWN4TFpGRFJDZVNraWJkRGVTMFJneG1Ob2JrSzNrWkVnZkR3UEhrT19TQUJGWlgzYWdTSWg5VXZBVDJNMmExbGFMQ2VVUWdONmM1NDExcDFlcTZEV2VXUjkyUExEX2FiUEF5d3c4VjFNcTZ1RDYtM3doREY1ekVwMzFvV2lEM2lLaFpGMTdVYnIySVRVVFExa25vNA?oc=5) · Investing.com Canada
- 2025-11-25 [BofA class action alleges bank double-bills credit card customers - Top Class Actions](https://news.google.com/rss/articles/CBMixgFBVV95cUxQNjNQLXlhYVlzZTkwRjUydmhxb1NZbFM2U0F0VHRzeEEyNUx4WnNKSy1QT1FNM3E5MzBjRDFyN256NWROR1JGcFBtWkRUTjItUGRteGdVSFJxMmJIMlFWcHV3TDhERHFHck84MFoydng3UmI4RmxMMHYycXJjNTFSSlhUckswemhUNVRULS1SY1JCeUlTUEZxWkpLSkd0MzhjSmF1ODV4dUxjeUdlWjZWZHlEakdjZmFyNzBDa19tajYxb2ZCd1E?oc=5) · Top Class Actions
- 2026-03-12 [Zelle® and Bank of America Partner to Accelerate Delivery of Charitable Donations to Nonprofits - PR Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNNW9PU055dGFiei1RVW5MdkVSdVNGTHFGd3hGTldoM1Q2ZUU1ZUZlZm1SUHlUcndxVUxoVl9DYnBybUo2cmppR1dHekpTbVlkLThEd2l4YlNUclR2SE8zTHo0UmgxVTZ3WkpENE1OYU5lWkZSRlRSbGZ0WVVvRURJOXVlZ2RGclBybzZhWFhFdExmYkE1elNOUFZ1bTRobkFQQnVyVEJvQm41cjFOVHI4MTNXN0xVWWYwbWkxNjBXNG9STFMweGlmcnM1Nk14Y09fSERULUpqRnAtS3c3b3lja1dNTC0?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3510 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "3510", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide