Datasets › Lender stress › Bank of America Corporation
Lender stress: Bank of America Corporation
Ticker BAC. Three public records about this lender, one panel each. They are not combined: each has its own source, date and caveat.
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Bank card and auto loans at Bank of America Corporation
Q2 2026Past-due and charge-off rates on credit card and auto loans of the banks Bank of America Corporation owns, from FDIC call reports
US bank subsidiaries Q2 2026: card past due 2.23%, auto past due 0.64%. Banks: BANK OF AMERICA NA; BANK OF AMERICA CA NA.
| Quarter | Card loans | Card past due | Card charge-offs | Auto loans | Auto past due | Auto charge-offs |
|---|---|---|---|---|---|---|
| Q2 2026 | $106B | 2.23% | 3.47% | $37.5B | 0.64% | 0.33% |
| Q1 2026 | $103B | 2.44% | 3.60% | $38.9B | 0.63% | 0.44% |
| Q4 2025 | $106B | 2.46% | 3.33% | $40.0B | 0.75% | 0.39% |
| Q3 2025 | $102B | 2.41% | 3.45% | $39.8B | 0.72% | 0.33% |
| Q2 2025 | $101B | 2.36% | 3.77% | $39.6B | 0.67% | 0.31% |
| Q1 2025 | $99.7B | 2.50% | 4.01% | $39.2B | 0.72% | 0.49% |
| Q4 2024 | $104B | 2.55% | 3.71% | $40.3B | 0.74% | 0.43% |
| Q3 2024 | $101B | 2.54% | 3.69% | $40.2B | 0.77% | 0.30% |
Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. These are the figures of the lender's US bank subsidiaries, as filed with the FDIC, not of the holding company's whole business. A lender can hold part of its card or auto loans outside its banks. Past due means 30 or more days; charge-offs are the quarter's net charge-offs times four, over loans.
Credit card metrics at Bank of America Corporation
Sep 2026Monthly charge-offs and late payments on credit card loans, from Bank of America Corporation's own reports and the card trusts it sponsors, filed with the SEC
BA Credit Card Trust Securitized card pool
Sep 2026: net charge-offs 2.07% (-0.4 pp against a year earlier), 30+ days late 1.37%(0.0 pp), loans $14.2B. Securitized card pool: BA Credit Card Trust.
| Month | Net charge-offs | 30+ days late | Loans | Yield | Excess spread | Payment rate |
|---|---|---|---|---|---|---|
| Sep 2026 | 2.07% | 1.37% | $14.2B | 16.16% | 11.76% | 26.85% |
| Aug 2026 | 2.14% | 1.28% | $14.3B | 16.29% | 11.89% | 27.09% |
| Jul 2026 | 2.11% | 1.26% | $14.2B | 17.06% | 12.66% | 28.48% |
| Jun 2026 | 2.22% | 1.28% | $14.3B | 16.52% | 12.12% | 27.97% |
| May 2026 | 2.33% | 1.3% | $14.3B | 16.47% | 12.07% | 27.42% |
| Apr 2026 | 2.38% | 1.32% | $14.3B | 15.92% | 11.54% | 27.04% |
| Mar 2026 | 2.4% | 1.38% | $14.2B | 17.06% | 12.68% | 27.91% |
| Feb 2026 | 2.24% | 1.43% | $14.2B | 15.61% | 11.23% | 25.47% |
| Jan 2026 | 2.23% | 1.39% | $14.5B | 16.14% | 11.76% | 27.45% |
| Dec 2025 | 2.2% | 1.37% | $14.9B | 17.89% | 13.51% | 28.87% |
| Nov 2025 | 2.26% | 1.4% | $14.7B | 15.89% | 11.51% | 25.00% |
| Oct 2025 | 2.1% | 1.38% | $14.5B | 17.66% | 13.03% | 27.20% |
| Sep 2025 | 2.44% | 1.34% | $14.6B | 16.58% | 11.95% | 26.77% |
BA Credit Card Trust, Series 2001-D certificateholders' statement. Portfolio yield is the cash yield net of investor defaults; the net loss rate is the investor default amount net of recoveries, annualized, as a share of the series' investor interest; excess spread is the issuer's 'excess available funds percentage'. The delinquency rate is all balances 30 or more days past due as a share of total receivables; the payment rate is principal collections over the prior month's principal receivables.
Source: the issuers' and trusts' filings with the SEC (Forms 8-K and 10-D), newest month Sep 2026. US public records (SEC EDGAR), public domain. Percentages are as each issuer reports them. Definitions differ between issuers and between a trust and its issuer. Not investment advice.
Consumer complaints at Bank of America Corporation
Jul–Sep 2026Complaints to the CFPB about Bank of America Corporation: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 6,109 complaints, +23.3% against Jul–Sep 2025 (4,956). 99% were answered in time; 32% of the 5,789 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Checking or savings account | 2,416 | 40% | 1,829 | +32.1% | 99% | 42% |
| Credit card | 1,707 | 28% | 1,047 | +63.0% | 99% | 40% |
| Credit reporting or other personal consumer reports | 1,019 | 17% | 1,062 | -4.0% | 100% | 12% |
| Money transfer, virtual currency, or money service | 380 | 6% | 385 | -1.3% | 100% | 22% |
| Debt collection | 313 | 5% | 298 | +5.0% | 100% | 4% |
| Mortgage | 155 | 3% | 147 | +5.4% | 99% | 18% |
| Vehicle loan or lease | 63 | 1% | 55 | +14.6% | 100% | 15% |
| Prepaid card | 34 | 1% | 116 | -70.7% | 100% | 3% |
| Payday loan, title loan, personal loan, or advance loan | 12 | 0% | 9 | — | 100% | 0% |
| Debt or credit management | 9 | 0% | 8 | — | 100% | 57% |
| Student loan | 1 | 0% | 0 | — | 100% | 100% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Managing an account Checking or savings account | 1,429 | 1,057 |
| Problem with a purchase shown on your statement Credit card | 813 | 446 |
| Incorrect information on your report Credit reporting or other personal consumer reports | 564 | 555 |
| Closing an account Checking or savings account | 391 | 218 |
| Problem with a lender or other company charging your account Checking or savings account | 314 | 266 |
| Improper use of your report Credit reporting or other personal consumer reports | 219 | 293 |
| Other features, terms, or problems Credit card | 202 | 110 |
| Fraud or scam Money transfer, virtual currency, or money service | 197 | 181 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Information, not investment advice (disclaimer). All lenders.