PWLBtoday
Counterparty/Bank of America, N.A.
Built 2026-09-14 17:10 UTCBeta
BA

Bank of America, N.A.

Bank · USAA+ · LEI B4TYDEB6GKMZO031MB27
Counterparty scoreBand B
72
33th percentile of 18 peers
coverage83% of the method
Rating87w 40
Capital64w 25
Liquidity24w 15
Stability—w 10
Assets92w 5
Profit81w 5
Rating anchor and public pillars with published weights (w). Market overlay +3.0, bounded at ±10. Method
Agency ratingscompositeAA-Stable (bonds) (group)
Fitch
AA▶
ST F1+
2026-05-21
S&P
A+▶
ST A-1
2026-05-13
Moody's
Aa2▶
ST P-1
2025-11-17
DBRS
A▲
ST R-1(L)
2015-12-11
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
12.1%
−0.1 vs prior2026-06-30
Leverage ratio—not yet collected
Total capital
13.1%
−0.1 vs prior2026-06-30
LCRgroup figure
112%
+0.3 vs prior2026-06-30
NSFR—not yet collected
Risk-weighted assets
1,543.6bn
+0.5% vs prior2026-06-30
15 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Asset quality
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
6upgrades
1downgrade
1.5notches stronger
20162017201820192020202120222023202420252026AA-A+Acomposite A from 2015-07-01composite A+ from 2016-12-17composite A+ from 2018-06-21composite AA- from 2021-06-07AA-COMPOSITEFitchFitch A+ from 2015-07-01 to 2018-06-21A+Fitch AA- from 2018-06-21 to 2021-06-07AA-Fitch AA from 2021-06-07, stillAAFitch: stable outlook from 2015-12-08AAS&PS&P A from 2015-07-01 to 2016-12-17AS&P A+ from 2016-12-17, stillA+S&P: positive outlook from 2015-07-23S&P: watch positive outlook from 2015-11-03S&P: stable outlook from 2016-12-17S&P: positive outlook from 2021-05-24S&P: stable outlook from 2023-03-31A+Moody'sMoody's A1 from 2015-07-01 to 2017-12-06A1Moody's Aa3 from 2017-12-06 to 2019-03-06Aa3Moody's Aa2 from 2019-03-06 to 2023-05-03Aa2Moody's Aa1 from 2023-05-03 to 2025-05-19Aa1Moody's Aa2 from 2025-05-19, stillAa2Moody's: stable outlook from 2015-07-01Moody's: positive outlook from 2017-01-24Moody's: watch positive outlook from 2017-09-12Moody's: watch positive outlook from 2018-12-05Moody's: stable outlook from 2020-11-18Moody's: positive outlook from 2021-11-22Moody's: watch positive outlook from 2023-01-23Moody's: negative outlook from 2023-11-13Moody's: stable outlook from 2025-05-19Aa2DBRSDBRS A from 2015-07-01, stillADBRS: positive outlook from 2015-12-11A
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2025-05-19↓Moody's downgrade Aa1 → Aa2 · 1 notch
  • 2023-05-03↑Moody's upgrade Aa2 → Aa1 · 1 notch
  • 2021-06-07↑Fitch upgrade AA- → AA · 1 notch
  • 2019-03-06↑Moody's upgrade Aa3 → Aa2 · 1 notch
  • 2018-06-21↑Fitch upgrade A+ → AA- · 1 notch
  • 2017-12-06↑Moody's upgrade A1 → Aa3 · 1 notch
  • 2016-12-17↑S&P upgrade A → A+ · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
DBRSissuer credit · long-termApositive2015-12-11
DBRSissuer credit · short-termR-1(L)positive2015-12-11
Fitchissuer default · long-termAAstable2026-05-21
Fitchissuer default · short-termF1+—2026-05-21
Moody'scounterparty · long-termAa2—2025-11-17
Moody'sdeposit · long-termAa2stable2025-11-17
Moody'sissuer credit · long-termAa2stable2025-11-17
Moody'scounterparty · short-termP-1—2025-11-17
Moody'sdeposit · short-termP-1—2025-11-17
S&Pissuer credit · long-termA+stable2026-05-13
S&Presolution counterparty · long-termA+—2026-05-13
S&Pissuer credit · short-termA-1—2026-05-13
S&Presolution counterparty · short-termA-1—2026-05-13
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 months · Bank of AmericaUSD
42.5448.9455.3461.7468.1425-09: 50.4225-09: 49.4625-09: 50.5825-09: 52.1325-09: 51.7025-09: 51.5925-10: 50.3925-10: 48.6525-10: 50.4425-10: 51.1025-10: 52.8725-11: 53.5625-11: 53.2025-11: 52.8725-11: 52.0225-11: 52.4825-12: 53.1925-12: 53.9025-12: 55.1425-12: 54.2625-12: 56.2525-12: 55.0026-01: 55.6426-01: 54.5426-01: 52.1026-01: 52.0226-01: 53.2026-02: 54.9426-02: 53.8526-02: 53.3626-02: 50.4126-03: 49.8126-03: 48.6426-03: 47.1326-03: 46.8326-03: 48.1426-03: 47.2326-04: 50.0626-04: 52.5426-04: 53.5126-04: 53.1226-04: 52.6626-05: 52.1926-05: 51.3126-05: 49.8526-05: 51.2326-05: 51.1026-06: 52.4826-06: 53.6326-06: 56.0226-06: 56.2026-06: 58.1926-07: 58.3626-07: 58.3026-07: 60.6226-07: 60.4226-07: 62.0526-07: 61.7326-08: 63.2526-08: 64.0026-08: 63.8926-08: 61.6926-08: 61.1726-09: 62.6026-09: 62.6762.6725-0925-1025-1226-0226-0426-0626-09
Bank of America is the listed company; this entity has no equity of its own, and the group price does not enter its score.
30-day realised volatility · Bank of America14.6%
Drawdown from 52-week high · Bank of America-3.9%
Market signal Stable (bonds) (group)
Last price · Bank of America2026-09-14
Bond yields vs peers, 31-day−2 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-05-21
Fitch affirmation: Derivative Counterparty Rating AA(dcr)
ESMA European Rating Platform
info
2026-05-21
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-05-21
Fitch affirmation: Long Term Issuer Default Rating AA
ESMA European Rating Platform
info
2026-05-21
Fitch affirmation: Short Term Issuer Default Rating F1+
ESMA European Rating Platform
info
2026-05-13
S&P affirmation: Issuer Credit Rating A+
ESMA European Rating Platform
info
2026-05-13
S&P affirmation: Issuer Credit Rating A-1
ESMA European Rating Platform
info
2026-05-13
S&P affirmation: Certificate Of Deposit A+
ESMA European Rating Platform
info
2026-05-13
S&P affirmation: Certificate Of Deposit A-1
ESMA European Rating Platform
info
2026-05-13
S&P affirmation: Resolution Counterparty Rating A+
ESMA European Rating Platform
info
2026-05-13
S&P affirmation: Resolution Counterparty Rating A-1
ESMA European Rating Platform
info
2026-05-13
S&P maintained under stable outlook: Issuer Credit Rating
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Issuer Rating Aa2
ESMA European Rating Platform
info
2025-11-17
Moody's maintained under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Deposit Rating Aa2
ESMA European Rating Platform
info
2025-11-17
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Counterparty Risk Rating Aa2
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info

Documents and feeds

FDIC Call Reports · public API
1 document · 14 metrics · 2016-09-30 to 2026-06-30
Latest source
Firm's Pillar 3 disclosures (group) · read from the PDF
20 documents · 1 metrics · 2021-09-30 to 2026-06-30
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio12.102026-06-30FDIC Call Reports · public API1.00
Total deposits (currency millions)2,121,804.002026-06-30FDIC Call Reports · public API1.00
Cost-to-income or efficiency ratio53.912026-06-30FDIC Call Reports · public API1.00
Held-to-maturity securities fair value minus amortised cost (currency millions; negative = unrealised loss)-82,093.002026-06-30FDIC Call Reports · public API1.00
Net interest margin2.532026-06-30FDIC Call Reports · public API1.00
Non-performing or noncurrent loan ratio0.652026-06-30FDIC Call Reports · public API1.00
Return on assets1.132026-06-30FDIC Call Reports · public API1.00
Return on equity12.312026-06-30FDIC Call Reports · public API1.00
Risk-weighted assets (currency millions)1,543,623.002026-06-30FDIC Call Reports · public API1.00
Tier 1 leverage ratio (US definition, average assets)7.112026-06-30FDIC Call Reports · public API1.00
Tier 1 capital ratio12.102026-06-30FDIC Call Reports · public API1.00
Total assets (currency millions)2,654,645.002026-06-30FDIC Call Reports · public API1.00
Total capital ratio13.112026-06-30FDIC Call Reports · public API1.00
Estimated uninsured deposits (currency millions)899,695.002026-06-30FDIC Call Reports · public API1.00
Liquidity coverage ratio112.002026-06-30Firm's Pillar 3 disclosures (group) · read from the PDF0.92 group figure