TellerScore

Bank of America California, National Association (FDIC certificate #25178) is based in San Francisco, California. Its Q2 2026 call report shows $14.8B in total assets and $12.3B in deposits and 1 office.

Bank of America California, National Association has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 87% of its 132 banks with $10 billion – $100 billion. Among 116 banks headquartered in California, it ranks 38th. Problem-loan coverage contributes the most (93/100, 3.3%); earnings contributes the least (51/100, 0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.41%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.66%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 76.6% · 6.2% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.27%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (69 → 74), mostly because the funding & liquidity component improved by 9 points.

TellerScore
636974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202465
Q1 202568
Q2 202569
Q3 202571
Q4 202572
Q1 202673
Q2 202674
Tier 1 leverage ratio
5.00%8.71%12.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.03%
Q3 202411.34%
Q4 202411.00%
Q1 202511.44%
Q2 202511.96%
Q3 202512.41%
Q4 202512.28%
Q1 202612.41%
Q2 202612.41%
Noncurrent loans
0.66%0.70%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.73%
Q3 20240.73%
Q4 20240.75%
Q1 20250.67%
Q2 20250.70%
Q3 20250.73%
Q4 20250.69%
Q1 20260.67%
Q2 20260.66%
Return on assets
0.36%0.56%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.36%
Q4 20240.45%
Q1 20250.55%
Q2 20250.58%
Q3 20250.52%
Q4 20250.54%
Q1 20260.73%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$14.8B12.41%0.66%0.77%76.6%
Q1 202673$15.1B12.41%0.67%0.73%77.0%
Q4 202572$15.5B12.28%0.69%0.54%74.3%
Q3 202571$15.0B12.41%0.73%0.52%79.0%
Q2 202569$15.0B11.96%0.70%0.58%85.4%
Q1 202568$16.1B11.44%0.67%0.55%79.4%
Q4 202465$15.7B11.00%0.75%0.45%84.0%
Q3 202463$16.2B11.34%0.73%0.36%82.8%
Q2 202463$15.0B12.03%0.73%0.45%95.8%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.41%
91st
Total risk-based capital39.28%
97th
Problem loans0.66%
50th
Net charge-offs-0.02%
98th
Return on assets0.77%
16th
Net interest margin1.78%
6th
Efficiency ratio43.0%
81st
Loans to deposits76.6%
75th
Uninsured deposits6.2%
91st
Loan-loss reserves0.15%
8th
Texas ratio3.3%
59th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers and Merchants Bank of Long BeachBank Long Beach, CA80 out of 100, Strong$11.8B14.0%0.01%vs
Bank of HopeBank Los Angeles, CA60 out of 100, Moderate$19.0B10.8%0.88%vs
Citizens Business Bank, National AssociationBank Ontario, CA73 out of 100, Strong$21.2B11.4%0.14%vs
Mechanics BankBank Walnut Creek, CA65 out of 100, Moderate$21.2B9.4%0.41%vs
Cathay BankBank Los Angeles, CA69 out of 100, Moderate$24.6B11.5%0.54%vs
Axos BankBank San Diego, CA71 out of 100, Strong$28.9B9.2%0.44%vs

Deposit insurance

Is my money safe at Bank of America California, National Association?

Yes. Bank of America California, National Association is an FDIC-insured institution (FDIC certificate #25178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 6.2% of deposits ($758.0M) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 39.28% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Bank of America California, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank of America California, National Association
Former names
Bank of America Community Development Bank; Bank of America Community Development Bank, National Association; Security Pacific State Bank
Type
National bank
FDIC certificate #
25178
RSSD ID
1443266
Primary regulator
OCC
Holding company
Bank of America Corp
Established
May 18, 1984
Headquarters
555 California St, San Francisco, CA 94104
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Quick answers

Bank of America California, National Association: common questions

Is Bank of America California, National Association FDIC insured?

Yes. Bank of America California, National Association is an FDIC-insured institution (FDIC certificate #25178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of America California, National Association's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of America California, National Association ever failed?

FDIC records show Bank of America California N.A. failed on January 16, 2009.

How many branches does Bank of America California, National Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near San Francisco

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA87 out of 100, Very strong$31.8M18.4%0.00%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
San Francisco Lee Federal Credit UnionCredit union San Francisco, CA85 out of 100, Very strong$10.7M53.3%0.00%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs