Side-by-side · Q2 2026 data
Mechanics Bank vs Bank of America California, National Association
Bank
Bank of America California, National Association
San Francisco, California · $10 billion – $100 billion
Metric by metric
| Measure | Mechanics Bank | Bank of America California, National Association |
|---|---|---|
| TellerScore | 65 | 74 (stronger) |
| Capital cushion | 44 | 74 (stronger) |
| Loan quality | 86 (stronger) | 78 |
| Earnings | 60 (stronger) | 51 |
| Funding & liquidity | 55 | 84 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 54th | 87th |
| Total assets | $21.2B | $14.8B |
| Deposits / shares | $18.1B | $12.3B |
| Capital ratio | 9.38% | 12.41% (stronger) |
| Problem loans | 0.41% (stronger) | 0.66% |
| Net charge-offs | 0.11% | -0.02% (stronger) |
| Return on assets | 0.99% (stronger) | 0.77% |
| Loans ÷ deposits | 74.2% (stronger) | 76.6% |
| Uninsured deposits | 42.9% | 6.2% (stronger) |
| Offices | 166 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | — |
Bank of America California, National Association has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 3 and Bank of America California, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.