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Bank Of America National Association

IDRSSD: 480228
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2023-Q4QoQ +4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #480228 2023-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (stable).

Liquidity:Strong
Securities:Stable
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↓ -6
  • Capitalization
    ↑ +8
  • Asset Quality
    ↑ +7
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
97
Sub-score

Liquidity is strong: brokered 3.7%, loans/deposits 54.3%.

Cash / Assets
—
Loans / Deposits
54.29%
Brokered %
3.71%
No watch items at this period.

Securities

StableQoQ -6
68
Sub-score

Securities profile is stable: securities 29.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.74%
No watch items at this period.

Capitalization

StrongQoQ +8
83
Sub-score

Capital position is strong: Tier 1 RBC 13.45%, CET1 13.45%, leverage 7.41%.

Tier 1 RBC
13.45%
CET1
13.45%
Leverage
7.41%
No watch items at this period.

Asset Quality

StrongQoQ +7
94
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 3.6%, NCO YTD 0.46%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
0.46%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
88
Sub-score

Reserves are strong: ALLL 1.26% of loans, coverage 183.4%, true coverage 130.0%.

ALLL / Loans
1.26%
Coverage
183.4%
True Loss Coverage
130.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 13:38:13 UTC