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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · North Carolina, the state note

Bank of America N.A.

Charlotte, North Carolina · $2654.64B in assets · beside the 11 other the Southeast banks over $10B (the state alone holds too few in the band to rank)

The filing

57.1%
Loans / deposits
2nd of 12
9.1%
Equity / assets
11th of 12
4.6%
CRE / loans
2nd of 12

Bank of America N.A. is the largest of the 12 the Southeast banks nearest its size over $10B, with $2654.64B in assets at 30 June 2026. Loans are 57.1% of deposits, 2nd of 12 against a median of 89.5%, and equity is 9.1% of assets, 11th of 12. Loans grew +6.0% in the year, 6th of 12, and deposits grew 0.6%; the cohort's median loan growth is +5.4%.

Noncurrent loans are 0.65% of the book, 5th of 12 against a median of 0.76%; 0.34% is 30 to 89 days past due, and the allowance covers them 1.7 times. Net charge-offs are 0.47% of loans, 10th of 12. Commercial real estate is 4.6% of loans, 2nd of 12 against a median of 17.6%, and 29% of capital, below the 300% screen, with construction at 5% against the 100% screen.

Return on assets is 1.11%, 8th of 12 against a median of 1.19%, on an efficiency ratio of 54.0%, 8th of 12. Five years ago it was 1.07%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansSoutheast banks over $10B · 30 June 2026 · lower is stronger, listed first
median 17.6% HB HSBC Bank USA National Association 2.6% Bo Bank of America N.A. 4.6% CO Capital One National Association 5.0% TB Truist Bank 10.0% RJ Raymond James Bank 10.9% FB First-citizens Bank & Trust Co. 14.5% EN Everbank National Association 20.7% BN Bankunited National Association 28.7% SB Southstate Bank N.A. 39.8% AU Atlantic Union Bank 40.4% CN City National Bank of Florida 44.4% UB United Bank 48.1%
Loans, year over yearSoutheast banks over $10B · 30 June 2026 · no better direction, largest first
median +5.4% EN Everbank National Association +12.3% SB Southstate Bank N.A. +7.7% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% FB First-citizens Bank & Trust Co. +6.8% Bo Bank of America N.A. +6.0% AU Atlantic Union Bank +4.9% UB United Bank +3.9% TB Truist Bank +3.9% CO Capital One National Association +2.2% BN Bankunited National Association -0.1% HB HSBC Bank USA National Association -4.5%

SBA 7(a), FY2008 to FY2026

Bank of America N.A. is the 22nd largest 7(a) lender into California of 512, with $717M across 2,279 loans, 1.1% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 299 of its 741 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$231M23rd of 3081.1%+2.5 pts
Miami-Dade, FL$161M5th of 2154.1%+3.5 pts
Maricopa, AZ$108M22nd of 3031.4%+0.9 pts
Orange, CA$105M20th of 2561.4%+1.8 pts
Broward, FL$85M8th of 2092.8%+3.6 pts
Harris, TX$73M28th of 3140.9%+1.6 pts
San Diego, CA$65M19th of 2381.2%+1.8 pts
King, WA$62M21st of 1931.3%+1.4 pts
Cook, IL$57M25th of 2820.9%-0.1 pts
Clark, NV$49M14th of 2291.7%+1.9 pts
Dallas, TX$48M33rd of 3140.9%+1.2 pts
San Bernardino, CA$45M22nd of 2131.3%+3.6 pts
Palm Beach, FL$40M14th of 1951.6%+2.1 pts
728 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services1,742$525M16.2%1.62%10th of 1,955
Health care & social assistance1,037$498M15.4%1.05%18th of 2,172
Retail trade1,211$334M10.3%0.55%39th of 2,589
Wholesale trade911$313M9.7%1.22%18th of 1,651
Manufacturing628$294M9.1%0.74%25th of 2,246
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Bank of America N.A.
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans Bo Bank of America, National Associa… 1.1% $717M · 2,279 loans

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 of America N.A.RankCohort median
Total CRE against capital, the 300% screen29%2nd of 12145%
Construction against capital, the 100% screen5%5th of 1215%
Construction and land development, share of loans0.8%5th of 122.4%
Non-owner-occupied nonfarm nonresidential, share of loans3.1%2nd of 127.7%
Total CRE, the guidance definition, share of loans4.6%2nd of 1217.6%
CRE growth over 36 months, the third prong+4.9%4th of 12+19.0%

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
Bank of America N.A.$2654.64B1.1%54.0%0.65%0.47%1.1%57.1%9.1%
Capital One National Association$662.16B1.6%53.7%1.49%3.27%5.0%89.2%14.9%
Truist Bank$548.35B1.2%54.2%0.72%0.54%1.5%79.2%11.5%
First-citizens Bank & Trust Co.$236.32B1.0%65.6%1.12%0.29%1.0%86.9%9.8%
HSBC Bank USA National Association$173.10B1.0%55.4%1.45%0.16%0.6%39.2%9.6%
Southstate Bank N.A.$68.79B1.4%52.7%0.54%0.07%1.1%90.9%14.1%
Everbank National Association$46.69B1.0%51.8%1.42%0.02%0.8%98.0%9.2%
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Atlantic Union Bank$38.02B1.6%50.4%0.50%0.02%1.0%93.8%15.2%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
United Bank$33.64B1.5%46.3%0.44%0.09%1.2%91.6%16.7%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of America N.A.Cohort median
20212026Change20212026Change
Loans$917.68B$1211.49B+32%$28.41B$44.21B+56%
Deposits$1986.07B$2121.80B+7%$31.90B$48.89B+53%
NPA / loans0.72%0.65%-0.08 pts0.72%0.76%+0.04 pts
Efficiency63.0%54.0%-9.0 pts65.7%53.2%-12.5 pts
ROA1.07%1.11%+0.04 pts1.16%1.19%+0.03 pts

This read was prepared for Bank of America 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 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 Southeast banks over $10B
Institution www.bankofamerica.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. 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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