Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
Bank of America, National Association
Charlotte, NC · FDIC cert 3510
· class N
· primary regulator OCC
· charter OCC
· holding company Bank of America Corp
total assets $2,654,645mn · band over $100bn · established 1904 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
total assets $2,654,645mn · band over $100bn · established 1904 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
The public record, as the regulator reads it. Every number on this page is from an FDIC filing
or a public loan-level tape; every line is the regulator's own; nothing is scored, summed or graded.
This bank is over neither of SR 06-26's two criteria.
The lines · 2026Q2 Call Report
SR 06-26 (the 2006 interagency guidance on CRE concentrations), the Prompt Corrective Action capital lines
(12 CFR 324.403) on the filer's own basis, and the FDIC's brokered-deposit line (12 CFR 327.16). A value on the far
side of its line is colored; that is the whole of what a crossed line means here.
| line | this bank | the line | the rule |
|---|---|---|---|
| Investor CRE / total risk-based capital | 27% total 39% |
≥ 300% | construction, multifamily and non-owner-occupied nonfarm nonresidential over total risk-based capital — the first half of criterion 2; owner-occupied excluded, as the guidance excludes it. "Total" beneath adds it back. |
| Construction & land loans / capital | 4.8% | ≥ 100% | construction, land development and other land loans over total risk-based capital — criterion 1 of the 2006 interagency guidance |
| CRE book growth, 36 months | 4.9% | ≥ 50% | the supervisory CRE book (owner-occupied excluded) against the same bank twelve quarters earlier — the second half of criterion 2, which the 300% line alone does not state |
| Total risk-based capital ratio | 13.1% | < 10% | total risk-based capital over risk-weighted assets; well capitalized at 10%, adequately at 8%. A CBLR filer reports none and is printed as not reported |
| Tier 1 risk-based capital ratio | 12.1% | < 8% | tier 1 capital over risk-weighted assets; well capitalized at 8%, adequately at 6%. A CBLR filer reports none and is printed as not reported |
| Tier 1 leverage ratio | 7.1% | < 5% | tier 1 capital over average assets; well capitalized at 5% for a risk-based filer, and the CBLR framework's own 9% line for a leverage-only filer |
| Brokered deposits / assets | 3.0% | ≥ 10% | brokered deposits over total assets; above 10% they begin to count in the FDIC's assessment formula (12 CFR 327.16) |
Criterion 1 is construction at or above 100% of capital:
not over.
Criterion 2 is BOTH halves — investor CRE at or above 300% of capital AND the book grown 50% or more in 36 months
(from the tape's own quarter, 2023Q2):
not over.
Capital is read on the risk-based basis this bank files on.
Its market · branches as of 30 June 2025
A branch is a building in a ZIP (FDIC Summary of Deposits); no dollar is allocated to any metro. For each metro this bank has a branch in:
the Hotspots reading (retail and office, each elevated or not against a bar set at the top quartile of the 294 metros with both readings — a relative cut, not a regulator's line),
the public CMBS tape in the metro, and the counts behind the doors.
193 metros, by branch count.
337 branches · 9% of the bank's
CMBS in the metro
2,539 loans
3.3% distressed · retail 3.9% · office 7.1%
Behind the door
645 on the forward watch
$16,922mn not yet in special servicing · 79 in special servicing with commentary · 70 WARN notices in 90 days (9,283 jobs)
274 branches · 8% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
665 loans
3.2% distressed · retail 0.7% · office 4.7%
Behind the door
166 on the forward watch
$4,996mn not yet in special servicing · 30 in special servicing with commentary · 45 WARN notices in 90 days (4,143 jobs)
159 branches · 4% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
277 loans
0.7% distressed · retail 1.4% · office 1.2%
Behind the door
57 on the forward watch
$1,398mn not yet in special servicing · 1 in special servicing with commentary · 8 WARN notices in 90 days (947 jobs)
123 branches · 3% of the bank's
Hotspots cell
retail & office
retail elevated · office elevated · WARN-corroborated
CMBS in the metro
254 loans
3.3% distressed · retail 2.6% · office 5.4%
Behind the door
58 on the forward watch
$2,156mn not yet in special servicing · 13 in special servicing with commentary · 20 WARN notices in 90 days (2,899 jobs)
120 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
292 loans
1.7% distressed · retail 0.0% · office 2.3%
Behind the door
63 on the forward watch
$1,536mn not yet in special servicing · 8 in special servicing with commentary · 5 WARN notices in 90 days (516 jobs)
118 branches · 3% of the bank's
Hotspots cell
retail & office
retail elevated · office elevated · WARN-corroborated
CMBS in the metro
407 loans
7.9% distressed · retail 3.6% · office 20.3%
Behind the door
80 on the forward watch
$2,186mn not yet in special servicing · 31 in special servicing with commentary · 26 WARN notices in 90 days (3,695 jobs)
115 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
77 loans
2.0% distressed · retail 0.0% · office 6.3%
Behind the door
25 on the forward watch
$1,356mn not yet in special servicing · 1 in special servicing with commentary · 19 WARN notices in 90 days (1,554 jobs)
102 branches · 3% of the bank's
Hotspots cell
retail & office
retail elevated · office elevated · WARN-corroborated
CMBS in the metro
384 loans
3.8% distressed · retail 0.9% · office 5.3%
Behind the door
80 on the forward watch
$1,803mn not yet in special servicing · 12 in special servicing with commentary · 2 WARN notices in 90 days (348 jobs)
100 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
222 loans
4.9% distressed · retail 0.0% · office 9.9%
Behind the door
70 on the forward watch
$2,690mn not yet in special servicing · 12 in special servicing with commentary · 44 WARN notices in 90 days (6,295 jobs)
100 branches · 3% of the bank's
Hotspots cell
retail only read
retail elevated · office not read · WARN-corroborated
CMBS in the metro
305 loans
1.6% distressed · retail 0.0% · office 7.1%
Behind the door
56 on the forward watch
$994mn not yet in special servicing · 9 in special servicing with commentary · 22 WARN notices in 90 days (3,708 jobs)
93 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
155 loans
3.9% distressed · retail 2.7% · office 6.9%
Behind the door
42 on the forward watch
$1,716mn not yet in special servicing · 6 in special servicing with commentary · 39 WARN notices in 90 days (5,922 jobs)
81 branches · 2% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
225 loans
0.4% distressed · retail 0.0% · office 2.1%
Behind the door
35 on the forward watch
$686mn not yet in special servicing · 0 in special servicing with commentary · 19 WARN notices in 90 days (1,377 jobs)
The remaining 181 metros, by branch count — the same reading, one row each:
| metro | branches | hotspots cell | CMBS loans | distressed | on the watch |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | 77 | retail | 274 | 5.1% | 78 |
| Riverside-San Bernardino-Ontario, CA | 65 | retail | 196 | 1.0% | 27 |
| Tampa-St. Petersburg-Clearwater, FL | 64 | retail | 128 | 1.6% | 18 |
| Detroit-Warren-Dearborn, MI | 61 | retail | 288 | 2.5% | 77 |
| Baltimore-Columbia-Towson, MD | 60 | retail | 86 | 1.2% | 14 |
| San Diego-Chula Vista-Carlsbad, CA | 57 | retail | 147 | 0.7% | 28 |
| Charlotte-Concord-Gastonia, NC-SC | 48 | neither | 116 | 2.6% | 23 |
| Orlando-Kissimmee-Sanford, FL | 46 | retail | 103 | 6.0% | 26 |
| San Jose-Sunnyvale-Santa Clara, CA | 44 | neither | 100 | 1.0% | 33 |
| Las Vegas-Henderson-North Las Vegas, NV | 41 | neither | 190 | 0.5% | 37 |
| Sacramento-Roseville-Folsom, CA | 41 | retail | 100 | 1.5% | 27 |
| Portland-Vancouver-Hillsboro, OR-WA | 37 | retail | 63 | 4.8% | 23 |
| Providence-Warwick, RI-MA | 36 | retail | 17 | 5.8% | 3 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 34 | neither | 75 | 0.1% | 16 |
| St. Louis, MO-IL | 32 | retail & office | 97 | 3.6% | 18 |
| Austin-Round Rock-San Marcos, TX | 31 | retail | 90 | 4.4% | 18 |
| Hartford-West Hartford-East Hartford, CT | 29 | retail & office | 36 | 0.0% | 5 |
| Kansas City, MO-KS | 29 | retail only read | 90 | 2.2% | 27 |
| San Antonio-New Braunfels, TX | 29 | retail | 72 | 4.1% | 14 |
| Bridgeport-Stamford-Danbury, CT | 26 | retail & office | 34 | 2.9% | 11 |
| Jacksonville, FL | 25 | neither | 55 | 3.6% | 13 |
| North Port-Bradenton-Sarasota, FL | 25 | neither | 22 | 0.0% | 3 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 22 | retail & office | 64 | 3.1% | 18 |
| Denver-Aurora-Centennial, CO | 22 | neither | 106 | 3.8% | 19 |
| Virginia Beach-Chesapeake-Norfolk, VA-NC | 21 | retail only read | 80 | 2.5% | 12 |
| Tucson, AZ | 20 | retail & office | 62 | 1.6% | 7 |
| Oxnard-Thousand Oaks-Ventura, CA | 19 | retail | 45 | 0.0% | 12 |
| Raleigh-Cary, NC | 19 | neither | 42 | 0.0% | 8 |
| Richmond, VA | 17 | retail only read | 58 | 2.0% | 10 |
| Columbus, OH | 17 | retail & office | 98 | 1.2% | 28 |
| Cleveland, OH | 17 | retail | 103 | 4.1% | 29 |
| New Haven, CT | 16 | retail only read | 19 | 10.3% | 3 |
| Buffalo-Cheektowaga, NY | 16 | retail & office | 38 | 2.7% | 8 |
| Cincinnati, OH-KY-IN | 16 | retail only read | 77 | 9.5% | 17 |
| Fresno, CA | 15 | neither | 22 | 6.8% | 0 |
| Cape Coral-Fort Myers, FL | 15 | neither | 26 | 0.0% | 4 |
| Greenville-Anderson-Greer, SC | 15 | neither | 31 | 3.7% | 5 |
| Indianapolis-Carmel-Greenwood, IN | 14 | retail | 110 | 2.7% | 19 |
| Charleston-North Charleston, SC | 14 | neither | 32 | 0.0% | 2 |
| Pittsburgh, PA | 14 | retail | 84 | 3.6% | 14 |
| Salt Lake City-Murray, UT | 14 | neither | 46 | 2.2% | 13 |
| Columbia, SC | 13 | retail | 32 | 0.0% | 9 |
| Albany-Schenectady-Troy, NY | 13 | retail & office | 27 | 0.0% | 7 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | neither | 30 | 0.0% | 0 |
| Naples-Marco Island, FL | 13 | neither | 8 | 0.0% | 0 |
| Portland-South Portland, ME | 12 | neither | 5 | 0.0% | 2 |
| Trenton-Princeton, NJ | 11 | neither | 25 | 0.0% | 7 |
| Albuquerque, NM | 11 | retail | 34 | 3.0% | 7 |
| Worcester, MA | 11 | retail & office | 13 | 0.0% | 3 |
| Reno, NV | 11 | neither | 37 | 0.0% | 5 |
| Memphis, TN-MS-AR | 11 | retail only read | 56 | 7.2% | 12 |
| Little Rock-North Little Rock-Conway, AR | 10 | neither | 24 | 0.0% | 4 |
| Greensboro-High Point, NC | 10 | retail | 33 | 3.0% | 5 |
| Wichita, KS | 9 | retail | 11 | 2.2% | 3 |
| Oklahoma City, OK | 9 | neither | 37 | 5.4% | 9 |
| Palm Bay-Melbourne-Titusville, FL | 9 | neither | 25 | 0.0% | 7 |
| Bakersfield-Delano, CA | 9 | retail | 14 | 3.1% | 1 |
| Tulsa, OK | 9 | neither | 27 | 3.7% | 6 |
| Rochester, NY | 9 | retail | 32 | 15.7% | 7 |
| Stockton-Lodi, CA | 8 | neither | 21 | 0.0% | 2 |
| Port St. Lucie, FL | 8 | neither | 13 | 0.0% | 1 |
| Durham-Chapel Hill, NC | 8 | neither | 26 | 11.4% | 4 |
| Springfield, MA | 8 | retail only read | 4 | 0.0% | 1 |
| Savannah, GA | 8 | office only read | 31 | 0.0% | 7 |
| Atlantic City-Hammonton, NJ | 8 | retail only read | 13 | 7.9% | 3 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | retail | 33 | 0.0% | 12 |
| El Paso, TX | 8 | retail only read | 21 | 0.0% | 3 |
| Manchester-Nashua, NH | 7 | neither | 3 | 0.0% | 1 |
| Santa Maria-Santa Barbara, CA | 7 | office | 22 | 0.0% | 3 |
| Santa Rosa-Petaluma, CA | 7 | neither | 31 | 3.2% | 6 |
| Modesto, CA | 7 | neither | 18 | 0.0% | 4 |
| Lakeland-Winter Haven, FL | 7 | neither | 29 | 3.4% | 5 |
| Charlottesville, VA | 7 | neither | 6 | 0.0% | 0 |
| Syracuse, NY | 7 | retail | 17 | 5.8% | 2 |
| Grand Rapids-Wyoming-Kentwood, MI | 7 | neither | 34 | 1.0% | 7 |
| Provo-Orem-Lehi, UT | 7 | neither | 15 | 0.0% | 5 |
| Salinas, CA | 6 | office | 12 | 0.0% | 1 |
| Vallejo, CA | 6 | neither | 19 | 0.0% | 0 |
| Waterbury-Shelton, CT | 6 | retail | 15 | 0.0% | 3 |
| Visalia, CA | 6 | neither | 10 | 0.0% | 2 |
| Augusta-Richmond County, GA-SC | 6 | neither | 29 | 0.0% | 4 |
| McAllen-Edinburg-Mission, TX | 6 | neither | 16 | 0.0% | 2 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 6 | retail only read | 14 | 0.0% | 3 |
| Wilmington, NC | 6 | neither | 10 | 0.0% | 1 |
| Winston-Salem, NC | 6 | office | 25 | 4.0% | 4 |
| Gainesville, FL | 5 | neither | 11 | 0.0% | 5 |
| Santa Cruz-Watsonville, CA | 5 | office | 7 | 0.0% | 1 |
| Tallahassee, FL | 5 | neither | 17 | 0.0% | 6 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 5 | retail | 19 | 0.0% | 6 |
| Barnstable Town, MA | 5 | neither | 3 | 0.0% | 0 |
| Asheville, NC | 5 | office | 23 | 0.0% | 0 |
| Ocala, FL | 5 | neither | 15 | 6.7% | 0 |
| Spokane-Spokane Valley, WA | 5 | neither | 15 | 0.0% | 1 |
| Pensacola-Ferry Pass-Brent, FL | 5 | neither | 19 | 0.0% | 3 |
| Norwich-New London-Willimantic, CT | 5 | retail | 7 | 0.0% | 2 |
| Chattanooga, TN-GA | 5 | neither | 27 | 0.0% | 5 |
| Colorado Springs, CO | 5 | neither | 32 | 0.0% | 7 |
| Louisville/Jefferson County, KY-IN | 5 | retail | 35 | 6.0% | 7 |
| Des Moines-West Des Moines, IA | 4 | neither | 18 | 0.0% | 2 |
| Lexington-Fayette, KY | 4 | retail | 25 | 0.0% | 1 |
| Bremerton-Silverdale-Port Orchard, WA | 4 | neither | 5 | 0.0% | 1 |
| Knoxville, TN | 4 | neither | 18 | 0.0% | 2 |
| Sebastian-Vero Beach-West Vero Corridor, FL | 4 | neither | 10 | 0.0% | 0 |
| Fayetteville-Springdale-Rogers, AR | 4 | neither | 15 | 0.0% | 1 |
| Springfield, MO | 4 | office only read | 7 | 0.0% | 0 |
| Lansing-East Lansing, MI | 4 | office | 18 | 0.7% | 5 |
| Ogden, UT | 4 | office | 14 | 0.0% | 0 |
| San Luis Obispo-Paso Robles, CA | 3 | office | 14 | 0.0% | 0 |
| Athens-Clarke County, GA | 3 | retail only read | 6 | 0.0% | 1 |
| Hilton Head Island-Bluffton-Port Royal, SC | 3 | neither | 10 | 0.0% | 3 |
| Spartanburg, SC | 3 | neither | 15 | 0.0% | 4 |
| Ann Arbor, MI | 3 | office | 29 | 0.0% | 7 |
| Chico, CA | 3 | neither | 5 | 19.3% | 2 |
| Lexington Park, MD | 3 | neither | 4 | 0.0% | 1 |
| Napa, CA | 3 | neither | 4 | 0.0% | 1 |
| Kennewick-Richland, WA | 3 | neither | 4 | 0.0% | 1 |
| Santa Fe, NM | 3 | retail & office | 10 | 21.1% | 1 |
| Olympia-Lacey-Tumwater, WA | 3 | office only read | 13 | 7.9% | 5 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | neither | 17 | 5.7% | 2 |
| Homosassa Springs, FL | 3 | office only read | 6 | 0.0% | 0 |
| Omaha, NE-IA | 3 | retail & office | 18 | 0.2% | 4 |
| Bend, OR | 3 | neither | 5 | 0.0% | 2 |
| Kingston, NY | 3 | neither | 5 | 0.0% | 0 |
| Gainesville, GA | 3 | office only read | 4 | 0.0% | 0 |
| Boulder, CO | 3 | neither | 12 | 0.0% | 2 |
| Vineland, NJ | 3 | office only read | 6 | 0.0% | 1 |
| Boise City, ID | 3 | neither | 27 | 0.0% | 3 |
| Coeur d'Alene, ID | 2 | neither | 10 | 0.0% | 0 |
| Midland, TX | 2 | neither | 7 | 14.1% | 3 |
| Corpus Christi, TX | 2 | retail | 18 | 0.0% | 5 |
| Tyler, TX | 2 | neither | 9 | 0.0% | 0 |
| Amherst Town-Northampton, MA | 2 | neither | — | — | 0 |
| Redding, CA | 2 | neither | 4 | 0.0% | 2 |
| Fayetteville, NC | 2 | office only read | 18 | 5.4% | 5 |
| Punta Gorda, FL | 2 | office only read | 8 | 0.0% | 1 |
| Macon-Bibb County, GA | 2 | retail only read | 8 | 12.5% | 1 |
| Bellingham, WA | 2 | neither | 4 | 0.0% | 0 |
| Prescott Valley-Prescott, AZ | 2 | office only read | 10 | 0.0% | 0 |
| Lubbock, TX | 2 | retail only read | 28 | 14.2% | 5 |
| Waco, TX | 2 | retail only read | 10 | 0.0% | 0 |
| Lawrence, KS | 2 | neither | 4 | 25.0% | 1 |
| Amarillo, TX | 2 | retail only read | 12 | 0.0% | 2 |
| Merced, CA | 2 | neither | 7 | 0.0% | 1 |
| College Station-Bryan, TX | 2 | neither | 8 | 13.8% | 1 |
| Columbia, MO | 2 | neither | 2 | 0.0% | 1 |
| Eugene-Springfield, OR | 2 | neither | 5 | 0.0% | 1 |
| Killeen-Temple, TX | 2 | office only read | 14 | 0.0% | 2 |
| Salem, OR | 2 | neither | 10 | 0.0% | 3 |
| Clarksville, TN-KY | 2 | neither | 6 | 0.0% | 1 |
| Flagstaff, AZ | 2 | retail | 4 | 0.0% | 0 |
| Wildwood-The Villages, FL | 2 | office only read | 1 | 0.0% | 0 |
| Greenville, NC | 2 | office only read | 2 | 0.0% | 0 |
| Hickory-Lenoir-Morganton, NC | 2 | retail | 9 | 1.7% | 1 |
| Valdosta, GA | 2 | no reading | — | — | 0 |
| Mount Vernon-Anacortes, WA | 2 | neither | 4 | 0.0% | 0 |
| Brunswick-St. Simons, GA | 2 | neither | 9 | 0.0% | 1 |
| Warner Robins, GA | 2 | neither | 14 | 1.2% | 1 |
| Salisbury, MD | 2 | retail only read | 11 | 0.0% | 0 |
| Laredo, TX | 2 | office only read | 13 | 7.9% | 1 |
| Brownsville-Harlingen, TX | 2 | office only read | 16 | 1.0% | 2 |
| Columbus, GA-AL | 2 | neither | 11 | 27.9% | 0 |
| Odessa, TX | 2 | neither | 8 | 11.8% | 3 |
| Greeley, CO | 2 | neither | 7 | 14.2% | 0 |
| Yuba City, CA | 1 | neither | 3 | 0.0% | 0 |
| Beaumont-Port Arthur, TX | 1 | neither | 11 | 0.0% | 3 |
| El Centro, CA | 1 | neither | 7 | 0.0% | 1 |
| Lynchburg, VA | 1 | neither | 15 | 0.0% | 2 |
| Abilene, TX | 1 | neither | 3 | 0.0% | 0 |
| Burlington, NC | 1 | office only read | 6 | 0.0% | 0 |
| Las Cruces, NM | 1 | neither | 2 | 1.9% | 1 |
| Hanford-Corcoran, CA | 1 | neither | 3 | 0.0% | 0 |
| Farmington, NM | 1 | office only read | 2 | 0.0% | 0 |
| Sebring, FL | 1 | office | 4 | 0.0% | 0 |
| Jonesboro, AR | 1 | neither | 1 | 0.0% | 0 |
| Sierra Vista-Douglas, AZ | 1 | office only read | 5 | 0.0% | 1 |
| Harrisonburg, VA | 1 | office only read | 5 | 0.0% | 0 |
| Jacksonville, NC | 1 | office only read | 7 | 14.2% | 0 |
| Corvallis, OR | 1 | office | — | — | 0 |
| Pinehurst-Southern Pines, NC | 1 | office only read | 2 | 0.0% | 0 |
| Dalton, GA | 1 | office only read | 2 | 0.0% | 1 |
| Fort Collins-Loveland, CO | 1 | neither | 13 | 0.0% | 3 |
33 of the bank's 3640 branches (1%) sit outside every metro the tape reads; nothing is printed for them.
Peers · the same asset band, nationally and in New York-Newark-Jersey City, NY-NJ
Every cohort is inside an asset band (over $100bn), because size moves the concentration ratios more than anything else does. A position is an interval —
the share of the cohort below this bank and the share at or below it differ by the tie — and below 10 banks nothing is ranked.
over $100bn, nationally
32 banks
Investor CRE / capital
38–41th pct
12 below · 1 at the same value · 19 above
Construction / capital
34–38th pct
11 below · 1 at the same value · 20 above
over $100bn, in New York-Newark-Jersey City, NY-NJ
18 banks
Investor CRE / capital
28–33th pct
5 below · 1 at the same value · 12 above
Construction / capital
22–28th pct
4 below · 1 at the same value · 13 above
banks with a branch in this metro, from the 2025 Summary of Deposits. This metro holds 337 of the bank's 3640 branches (9%), and 33 are outside any metro area; the bank operates in 193 metros.
Of the 32 banks in the over $100bn band nationally, over each line:
Construction at or above 100% of capital — criterion 1 — 0 of 32 (0.0%); CRE at or above 300% of capital — 0 of 32 (0.0%); ... and the book grew 50% or more in 36 months — criterion 2 — 0 of 32 (0.0%); Over either criterion — 0 of 32 (0.0%); Total risk-based capital below 10% (risk-based filers) — 0 of 32 (0.0%); Tier 1 risk-based capital below 8% (risk-based filers) — 0 of 32 (0.0%); Tier 1 leverage below 5% (risk-based filers) — 0 of 32 (0.0%); Below a well-capitalized line, on the filer's own basis — 0 of 32 (0.0%); Brokered deposits at or above 10% of assets — 7 of 32 (21.9%).
What moves faster than the Call Report
Forward transfer-risk watch
2,475 loans
$61,770mn in this bank's metros scored High or Elevated for transfer to special servicing within two quarters, not yet transferred. The loans are the door.door
In special servicing, with commentary
356 loans
the servicer's own filed narrative, loan by loan. The narratives are the door.door
WARN notices, 90 days
674 notices
177,597 jobs, in this bank's metros, under review. The employers and addresses are the door.door
The four bank lenses
Franchise · Strain · Mark · Consolidation
every bank against every line, the franchise gradient, the mark on the book, the consolidation clock — this bank placed on each.door
Watch dossier
none
no watch dossier has been written for this bank; the absence is a fact about the watchlist, not about the bank.
Boundaries
- The Call Report carries no collateral geography. The footprint is where the branches are (FDIC Summary of Deposits, 30 June 2025), not where the loans are.
- The regulator's lines are absolute (SR 06-26, 12 CFR 324.403, 12 CFR 327.16) and read on the 2026Q2 Call Report; the 36-month growth is from the tape's own quarter, 2023Q2.
- Owner-occupied commercial real estate is excluded from criterion 2, as SR 06-26 excludes it.
- The Hotspots cell is a relative cut — the top quartile of the 294 metros with both readings on each lens (snapshot 2026-09-15) — not a line of any regulator's.
- A capital ratio is read on the filer's own basis (risk-based); a CBLR filer reports no risk-based ratio and none is inferred.
- This page is rebuilt nightly from stored filings; generated 2026-09-16. Banks under the Call Report tape's $100mn floor have no page.
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