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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Bank of America Ca N.A.

San Francisco, California · $14.81B in assets · beside the 9 other California banks over $10B

The filing

0.0%
CRE / loans
1st of 10
-12.3%
Loans, year over year
10th of 10, largest first
0.2x
Coverage of noncurrent
10th of 10

Bank of America Ca N.A. is the ninth largest of the 10 California banks over $10B, with $14.81B in assets at 30 June 2026. Loans are 76.7% of deposits, 4th of 10 against a median of 84.3%, and equity is 13.1% of assets, 4th of 10. Loans grew -12.3% in the year, the slowest in the cohort, and deposits fell 2.3%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.66% of the book, 7th of 10 against a median of 0.49%; 0.51% is 30 to 89 days past due, and the allowance covers them 0.2 times. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 38.5%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 0.74%, 8th of 10 against a median of 0.99%, on an efficiency ratio of 43.0%, 3rd of 10. Five years ago it was 0.49%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansCA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 38.5% Bo Bank of America Ca N.A. 0.0% CN City National Bank 17.6% AB Axos Bank 21.7% EW East West Bank 31.1% Bo Bank of Hope 38.5% CB Cathay Bank 38.5% Bo Banc of California 41.4% MB Mechanics Bank 51.8% CB Citizens Business Bank N.A. 52.6% FM Farmers & Merchants Bank Long Be 66.7%
Loans, year over yearCA banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% MB Mechanics Bank +46.9% CB Citizens Business Bank N.A. +43.8% AB Axos Bank +24.6% EW East West Bank +7.3% CN City National Bank +6.3% CB Cathay Bank +4.1% Bo Bank of Hope +4.1% FM Farmers & Merchants Bank Long Be +2.7% Bo Banc of California +1.7% Bo Bank of America Ca N.A. -12.3%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Bank ofRankCohort median
Total CRE against capital, the 300% screen0%1st of 10263%
Construction against capital, the 100% screen0%1st of 1014%
Construction and land development, share of loans0.0%1st of 102.2%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 1017.0%
Total CRE, the guidance definition, share of loans0.0%1st of 1038.5%
CRE growth over 36 months, the third prongno record+6.4%
Commercial real estate against capital, the 300% screenCA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 263% Bo Bank of America Ca N.A. 0% CN City National Bank 108% AB Axos Bank 188% EW East West Bank 206% FM Farmers & Merchants Bank Long Be 255% Bo Bank of Hope 271% CB Cathay Bank 272% CB Citizens Business Bank N.A. 281% Bo Banc of California 291% MB Mechanics Bank 340%
CRE growth over 36 months, the guidance's third prongCA banks over $10B · 30 June 2026 · lower is stronger, listed first
median +6.4% Bo Bank of Hope -7.0% FM Farmers & Merchants Bank Long Be -6.2% AB Axos Bank -5.1% Bo Banc of California -3.2% CN City National Bank +6.4% EW East West Bank +10.0% CB Cathay Bank +12.6% CB Citizens Business Bank N.A. +41.3% MB Mechanics Bank +46.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
City National Bank$99.10B1.0%65.9%0.92%0.03%1.0%84.8%11.4%
East West Bank$84.32B1.7%36.0%0.38%0.13%1.4%83.9%9.9%
Banc of California$34.90B-0.9%63.7%2.34%1.39%1.0%89.0%10.8%
Axos Bank$28.87B2.1%43.1%0.44%0.09%1.1%100.5%9.7%
Cathay Bank$24.64B1.5%40.3%0.54%0.04%1.1%97.6%12.6%
Mechanics Bank$21.25B1.0%62.3%0.41%0.11%1.1%75.1%13.3%
Citizens Business Bank N.A.$21.18B1.0%52.9%0.14%0.00%1.1%73.2%14.7%
Bank of Hope$18.99B0.7%64.2%0.88%0.26%1.0%94.4%12.4%
Bank of America Ca N.A.$14.81B0.7%43.0%0.66%-0.02%0.1%76.7%13.1%
Farmers & Merchants Bank Long Be$11.77B1.0%60.6%0.01%-0.03%1.3%75.7%13.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank ofCohort median
20212026Change20212026Change
Loans$9.97B$9.44B-5%$12.51B$17.82B+42%
Deposits$23.24B$12.31B-47%$16.27B$19.61B+21%
NPA / loans1.38%0.66%-0.73 pts0.45%0.49%+0.05 pts
Efficiency32.8%43.0%+10.2 pts45.9%56.8%+10.9 pts
ROA0.49%0.74%+0.25 pts1.35%0.99%-0.36 pts

This read was prepared for Bank of America Ca N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank of America Ca N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks over $10B
Institution www.bankofamerica.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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