BlastPoint's Banking Scorecard
Bank of America, National Association
Titans
Specialty: Other
NC
FDIC cert 3510
Charlotte, NC
16
banks in Titans tier nationally
2 in NC
View Titans leaderboard (NC) →
Bank of America, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.70% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1% in Titans
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2,636.8B
+1.8% YoY
-0.5% QoQ
|
+$1,684.5B |
$952.4B
-3.6% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$1,166.9B
+7.6% YoY
+1.6% QoQ
|
+$748.4B |
$418.5B
-0.2% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$2,102.0B
+2.3% YoY
+0.3% QoQ
|
+$1,362.2B |
$739.8B
-3.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.15%
+8.6% YoY
+1.1% QoQ
|
+0.04% |
1.11%
+7.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
2.50%
+0.2% YoY
+1.0% QoQ
|
+0.03% |
2.47%
+1.2% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
52.27%
-7.5% YoY
-4.6% QoQ
|
-3.60% |
55.86%
+1.9% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.71%
-9.4% YoY
+4.4% QoQ
|
-0.15% |
0.86%
-12.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
55.51%
+5.2% YoY
+1.3% QoQ
|
-0.17% |
55.68%
+5.4% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
27.50%
-2.5% YoY
-1.1% QoQ
|
+12.70% |
14.80%
-14.8% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.38%
-13.7% YoY
+4.3% QoQ
|
-0.06% |
0.44%
-9.5% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
12.47%
-7.3% YoY
-4.3% QoQ
|
-3.05% |
15.52%
+8.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
19% |
| Non-Interest Income / Assets ? |
1.21%
+27.1% YoY
+50.0% QoQ
|
-0.04% |
1.25%
-5.5% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Titans
Why this stands out
Current:
27.50%
(Tier avg: 14.80%, National avg: 21.79%)
Concerns (1)
Flatlined Growth
risk
#1 of 2 · Bottom 1% in Titans
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.15%
(Tier: 1.11%, National: 1.12%)
2 of 2 Titans banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 27.50% · Tier avg: 14.80%
94
94th pctile
Total Assets
Current: $2,636.8B · Tier avg: $952.4B
94
94th pctile
Total Loans
Current: $1,166.9B · Tier avg: $418.5B
94
94th pctile
Total Deposits
Current: $2,102.0B · Tier avg: $739.8B
75
75th pctile
Efficiency Ratio
Current: 52.27% · Tier avg: 55.86%
62
62th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.86%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.11%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.44%
50
50th pctile
Loan-to-Deposit Ratio
Current: 55.51% · Tier avg: 55.68%
50
50th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 1.25%
44
44th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 2.47%
19
19th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 15.52%
Top Weaknesses
19
19th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 15.52%
44
44th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 2.47%
50
50th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 1.25%
50
50th pctile
Loan-to-Deposit Ratio
Current: 55.51% · Tier avg: 55.68%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.44%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.11%
62
62th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.86%
75
75th pctile
Efficiency Ratio
Current: 52.27% · Tier avg: 55.86%
94
94th pctile
Total Deposits
Current: $2,102.0B · Tier avg: $739.8B
94
94th pctile
Total Loans
Current: $1,166.9B · Tier avg: $418.5B
94
94th pctile
Total Assets
Current: $2,636.8B · Tier avg: $952.4B
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 27.50% · Tier avg: 14.80%