Bank of America California, National Association
San Francisco, California, San Francisco County
$14.8B in total assets, the 134th largest of 4,309 US banks and 9th of 120 headquartered in California.
- FDIC certificate
- 25178
- Established
- 1984
- Owned by
- Bank Of America Corp
- Primary regulator
- OCC
- Website
- www.bankofamerica.com
At a glance
Compared with 9 banks headquartered in California with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $14.8B | 11% | $24.6B | |
| Loans | $9.4B | 11% | $20.6B | |
| Deposits | $12.3B | 11% | $21.1B | |
| Return on assets | 0.64% | 11% | 1.28% | |
| Net interest margin | 1.78% | 2% | 3.47% | |
| Efficiency ratio | 43.0% | 33% | 58.8% | |
| Equity to assets | 13.12% | 67% | 12.41% | |
| Loans to deposits | 77% | 33% | 85% |
Growth
Total assets grew -10.4% a year over the last 5 years and -4.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 1993 | Bank of America Community Development Bank Walnut Creek, CA | $71M |
| May 1984 | Bank of Irvine Irvine, CA | $31M |
Where they operate
1 branch in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| San Francisco County, CA | $12.3B | 3.6% | 4 of 46 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 1 branch throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 100% | 22% | |
| Construction and land | 0% | 3% | |
| Multifamily | 0% | 13% | |
| Commercial real estate | 0% | 34% | |
| Business (C&I) | 0% | 12% | |
| Consumer | 0% | 2% | |
| Other | 0% | 14% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 77% | 52% | |
| Time deposits | 23% | 19% | |
| Noninterest-bearing | 0% | 29% |
Brokered deposits are 18.5% of deposits (peers 7.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.66% | 0.44% |
| Net charge-offs, annualized | -0.02% | 0.09% |
| Reserves to loans | 0.15% | 1.06% |
| Leverage ratio | 12.41% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in San Francisco County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/america-california