Bank of America California, National Association: how it compares with its peers
Against 11 CA banks with half to twice its assets, Bank of America California, National Association's strongest measure in Q2 2026 is efficiency ratio (42.96% vs. a 51.12% peer median). Its weakest relative measure is net interest margin (1.78% vs. 3.48%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 1.29% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.78% | 3.48% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.96% | 51.12% | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.58% | 91.46% | Context |
What it means for lending operations
Its efficiency ratio of 42.96% is better than the 51.12% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers and Merchants Bank of Long Beach Long Beach, CA · $11.77B
- Bank of Hope Los Angeles, CA · $18.99B
- Tri Counties Bank Chico, CA · $9.93B
- First American Trust, FSB Santa Ana, CA · $9.23B
- Citizens Business Bank, National Association Ontario, CA · $21.18B
- Mechanics Bank Walnut Creek, CA · $21.25B
Questions about Bank of America California, National Association
How big is Bank of America California, National Association?
Bank of America California, National Association, established in 1984, is headquartered in San Francisco, CA. It reported $14.81B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Bank of America California, National Association's return on assets?
0.77% annualized in Q2 2026, against a 1.29% median for 11 CA banks with half to twice its assets, ahead of 9% of them.
What is Bank of America California, National Association's efficiency ratio?
42.96% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 51.12%, and lower is better.
Is Bank of America California, National Association growing its loans?
Net loans shrank 12.4% over the year to Q2 2026, while deposits shrank 2.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.