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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #480228 2025-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +3
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ 0
96
Sub-score

Liquidity is strong: brokered 4.6%, loans/deposits 57.2%.

Cash / Assets
—
Loans / Deposits
57.20%
Brokered %
4.56%
No watch items at this period.

Securities

StableQoQ +3
68
Sub-score

Securities profile is stable: securities 29.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.45%
No watch items at this period.

Capitalization

StrongQoQ -1
81
Sub-score

Capital position is strong: Tier 1 RBC 13.25%, CET1 13.25%, leverage 7.42%.

Tier 1 RBC
13.25%
CET1
13.25%
Leverage
7.42%
No watch items at this period.

Asset Quality

StrongQoQ +1
93
Sub-score

Asset quality is strong: Adjusted NPL 0.72%, Texas Ratio 3.9%, NCO YTD 0.54%.

Adjusted NPL
0.72%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
0.54%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
79
Sub-score

Reserves are stable: ALLL 1.16% of loans, coverage 164.2%, true coverage 96.1%.

ALLL / Loans
1.16%
Coverage
164.2%
True Loss Coverage
96.1%
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