Side-by-side · Q2 2026 data
Bank of America, National Association vs First-Citizens Bank & Trust Company
Metric by metric
| Measure | Bank of America, National Association | First-Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 59 (stronger) | 58 |
| Capital cushion | 21 | 47 (stronger) |
| Loan quality | 78 (stronger) | 63 |
| Earnings | 65 (stronger) | 61 |
| Funding & liquidity | 70 (stronger) | 49 |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 31st | 21st |
| Total assets | $2.7T | $236.3B |
| Deposits / shares | $2.1T | $174.0B |
| Capital ratio | 7.11% | 9.75% (stronger) |
| Problem loans | 0.65% (stronger) | 1.12% |
| Net charge-offs | 0.47% | 0.29% (stronger) |
| Return on assets | 1.13% (stronger) | 1.03% |
| Loans ÷ deposits | 56.5% (stronger) | 86.0% |
| Uninsured deposits | 42.4% | 37.4% (stronger) |
| Offices | 3,759 | 510 |
| CFPB complaints (3 yrs) | 55,528 | 634 |
| Complaints per $1B deposits | 26.2 | 3.6 (stronger) |
| Mortgage denial rate (HMDA) | 44.7% | 22.5% |
Bank of America, National Association has the higher TellerScore (59 vs 58). On the 8 directional measures above (where higher or lower is clearly better), Bank of America, National Association leads on 4 and First-Citizens Bank & Trust Company on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Charlotte, NC
- Los Angeles, CA
- Raleigh, NC
- Atlanta, GA
- Tampa, FL
- Columbia, SC
- Houston, TX
- Greenville, SC
- Jacksonville, FL
- Greensboro, NC
- Boston, MA
- Richmond, VA
- Las Vegas, NV
- Asheville, NC
- Dallas, TX
- San Francisco, CA
- San Diego, CA
- San Jose, CA
- Naples, FL
- Austin, TX
- Wilmington, NC
- Nashville, TN
- Durham, NC
- Tucson, AZ
- Sacramento, CA
- Winston Salem, NC
- Omaha, NE
- Fort Lauderdale, FL
- Albuquerque, NM
- Spartanburg, SC