🏦Bank Scorer

BANK OF AMERICA, NATIONAL ASSOCIATION

CHARLOTTE, NC · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1904FDIC #3,510
Part ofBank of America Corporation→ View all charters
Outstanding Same

Current rating · Exam: January 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

876

0.33 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.12%

Institution Profile

FDIC BankFind

Address

100 N Tryon St, CHARLOTTE, NC

County

Mecklenburg County

Established

October 17, 1904

Total Assets

$2.67T(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 3, 2022

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.67T

Total Deposits

$2.13T

Net Loans

$1.19T

Net Income

$7.4B

ROA

1.12%

ROE

12.16%

Risk-Based Capital

13.19%

Regulatory minimum: 8%

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

Complaints / $B0.33Peer avg: 0.83▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3,640

Branch Deposits

$1.98T

1-Year Change

-103

5-year net change: -613 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
2024218,35538.09%37.06%
2023255,50835.95%48.98%
2022330,62336.74%43.64%
2021348,39949.45%31.66%
2020360,24251.11%32.01%
2019442,16748.53%35.32%
2018428,23845.02%40.36%

2024 national avg denial rate: 23.75% · above-average shown in red

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

876

All Time

3,591

Monetary Relief

29.9%

Untimely Response

12.2%

Most common complaint type: Checking or savings account· 0.33 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202420
October 2024123
November 202400
December 202400
January 202500
February 202500
March 202500
April 202560
May 202500
June 202500
July 202500
August 202510
September 20253512
October 20254314
November 2025296
December 20255517
January 2026206
February 202684
March 202611338
April 202626772
May 202623821
June 2026673

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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