Bank of America, National Association is a national bank headquartered in Charlotte, North Carolina, in business for about 122 years. At the end of Q2 2026 it reported $2.7T in total assets and $2.1T in deposits, with 3,829 offices across 39 states.
Bank of America, National Association has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 32 banks with over $100 billion. Among 38 banks headquartered in North Carolina, it ranks 34th. Problem-loan coverage contributes the most (94/100, 3.1%); capital cushion contributes the least (21/100, 7.11%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (60 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 59 |
| Q1 2025 | 60 |
| Q2 2025 | 60 |
| Q3 2025 | 60 |
| Q4 2025 | 59 |
| Q1 2026 | 59 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.63% |
| Q3 2024 | 7.64% |
| Q4 2024 | 7.63% |
| Q1 2025 | 7.61% |
| Q2 2025 | 7.59% |
| Q3 2025 | 7.54% |
| Q4 2025 | 7.36% |
| Q1 2026 | 7.14% |
| Q2 2026 | 7.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.65% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.06% |
| Q1 2025 | 1.10% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.12% |
| Q2 2026 | 1.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $2.7T | 7.11% | 0.65% | 1.13% | 56.5% |
| Q1 2026 | 59 | $2.7T | 7.14% | 0.68% | 1.12% | 56.0% |
| Q4 2025 | 59 | $2.6T | 7.36% | 0.71% | 1.15% | 55.5% |
| Q3 2025 | 60 | $2.7T | 7.54% | 0.68% | 1.14% | 54.8% |
| Q2 2025 | 60 | $2.7T | 7.59% | 0.71% | 1.11% | 53.6% |
| Q1 2025 | 60 | $2.6T | 7.61% | 0.76% | 1.10% | 52.9% |
| Q4 2024 | 59 | $2.6T | 7.63% | 0.78% | 1.06% | 52.8% |
| Q3 2024 | 59 | $2.6T | 7.64% | 0.79% | 1.06% | 52.8% |
| Q2 2024 | 59 | $2.6T | 7.63% | 0.74% | 1.04% | 51.6% |
32 peers · Over $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).
Similar-size banks in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Truist BankBank Charlotte, NC | 63 out of 100, Moderate | $548.3B | 9.8% | 0.72% | vs |
| First-Citizens Bank & Trust CompanyBank Raleigh, NC | 58 out of 100, Moderate | $236.3B | 9.7% | 1.12% | vs |
Deposit insurance
Is my money safe at Bank of America, National Association?
Yes. Bank of America, National Association is an FDIC-insured institution (FDIC certificate #3510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.4% of deposits ($899.7B) are above the $250,000 FDIC insurance limit, close to the peer median of 43%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.11% (benchmark: 10%).
3,829 locations
Branches
Bank of America, National Association lists 2,092 offices in 400 cities across 39 states. Most locations:
- New York, NY (49)
- Houston, TX (48)
- Los Angeles, CA (42)
- Chicago, IL (38)
- Brooklyn, NY (32)
- Miami, FL (32)
- Las Vegas, NV (29)
- Dallas, TX (26)
- Phoenix, AZ (26)
- San Francisco, CA (26)
- Seattle, WA (26)
- Baltimore, MD (24)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 55,528 consumer complaints about BANK OF AMERICA, NATIONAL ASSOCIATION to the company (23,874 in the last 12 months). 99.2% received a timely response. That is 26.2 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
HMDA 2025
Mortgage lending
In 2025, Bank of America, National Association reported 182,002 home-loan applications under HMDA (LEI B4TYDEB6GKMZO031MB27): 88,530 originated ($37,288,470,000 total), 72,920 denied, and 18,891 withdrawn or closed by the applicant. Its denial rate on decided applications was 44.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Air France KLM World Elite Mastercard | 19.49% – 28.24% | $89 | $29 | 0.0% |
| Allways Rewards Visa | 19.49% – 28.24% | $59 | $29 | 0.0% |
| Atmos Rewards Ascent Visa Signature | 19.49% – 28.24% | $95 | $29 | 0.0% |
| Atmos Rewards Summit Visa Infinite | 19.49% – 28.24% | $395 | $29 | 0.0% |
| BankAmericard | 14.49% – 26.74% | $0 | $29 | 3.0% |
| BankAmericard - Secured | 24.49% – 25.24% | $0 | $29 | 3.0% |
| Bank of America Customized Cash Rewards | 17.49% – 28.24% | $0 | $29 | 3.0% |
| Bank of America Customized Cash Rewards - Secured | 27.49% – 28.24% | $0 | $29 | 3.0% |
Identity & history
Profile
- Legal name
- Bank of America, National Association
- Former names
- Bank of America National Trust and Savings Association
- Type
- National bank
- FDIC certificate #
- 3510
- RSSD ID
- 480228
- Primary regulator
- OCC
- Holding company
- Bank of America Corp
- Established
- October 17, 1904
- Headquarters
- 100 N Tryon St, Charlotte, NC 28202
- Website
- www.bankofamerica.com
- Employees
- 133,777
Quick answers
Bank of America, National Association: common questions
Is Bank of America, National Association FDIC insured?
Yes. Bank of America, National Association is an FDIC-insured institution (FDIC certificate #3510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of America, National Association's TellerScore?
59 out of 100 (Moderate), 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, National Association ever failed?
FDIC records show Bank of America N.A. failed on January 16, 2009.
How many branches does Bank of America, National Association have?
3,829 offices as of the latest FDIC data, in 39 states.
Nearby
Highest-scoring banks and credit unions with branches near Charlotte
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cedar Hill National BankBank Charlotte, NC | 93 out of 100, Very strong | $16.0M | 67.6% | 0.00% | vs |
| Farmers & Merchants BankBank Granite Quarry, NC | 90 out of 100, Very strong | $998.8M | 15.3% | 0.79% | vs |
| Allvac Savings and Credit UnionCredit union Monroe, NC | 90 out of 100, Very strong | $9.5M | 17.6% | 0.09% | vs |
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| American Bank of the CarolinasBank Monroe, NC | 80 out of 100, Strong | $214.0M | 12.3% | 0.00% | vs |