Document

Supplemental Information

Second Quarter 2026

Current-period information is preliminary and based on company data available at the time of the earnings presentation. It speaks only as of the particular date or dates included in the accompanying pages. Bank of America Corporation (the Corporation) does not undertake an obligation to, and disclaims any duty to, update any of the information provided. Any forward-looking statements in this information are subject to the forward-looking language contained in the Corporation’s reports filed with the SEC pursuant to the Securities Exchange Act of 1934, which are available at the SEC’s website (www.sec.gov*) or at the Corporation’s website (www.bankofamerica.com*). The Corporation’s future financial performance is subject to risks and uncertainties as described in its SEC filings.

* Website content is not incorporated by reference into this Supplemental Information.


Bank of America Corporation and Subsidiaries
Table of Contents			Page


Consolidated Financial Highlights			2
Consolidated Statement of Income			3
Consolidated Statement of Comprehensive Income			3
Net Interest Income and Noninterest Income			4
Consolidated Balance Sheet			5
Capital Management			6
Capital Composition under Basel 3			7
Quarterly Average Balances and Interest Rates			8

Debt Securities			9
Supplemental Financial Data			10
Quarterly Results by Business Segment and All Other			11
Year -to-Date Results by Business Segment and All Other			13
Consumer Banking
Total Segment Results			14
Key Indicators			15

Global Wealth & Investment Management
Total Segment Results			16
Key Indicators			17
Global Banking
Total Segment Results			18
Key Indicators			19

Global Markets
Total Segment Results			20
Key Indicators			21
All Other
Total Results			22
Outstanding Loans and Leases			23
Quarterly Average Loans and Leases by Business Segment and All Other			24
Commercial Credit Exposure by Industry			25

Nonperforming Loans, Leases and Foreclosed Properties			26
Nonperforming Loans, Leases and Foreclosed Properties Activity			27
Quarterly Net Charge-offs and Net Charge-off Ratios			28
Y ear-to-Date Net Charge-offs and Net Charge-off Ratios			29
Allocation of the Allowance for Credit Losses by Product Type			30

Exhibit A: Non-GAAP Reconciliations			31







Key Performance Indicators

The Corporation presents certain key financial and nonfinancial performance indicators that management uses when assessing consolidated and/or segment results. The Corporation believes this information is useful because it provides management with information about underlying operational performance and trends. Key performance indicators are presented in Consolidated Financial Highlights on page 2 and on the Key Indicators pages for each segment.

Business Segment Operations

The Corporation reports the results of operations of its four business segments and All Other on a fully taxable-equivalent (FTE) basis. Additionally, the results for the total Corporation as presented on pages 11 - 13 are reported on an FTE basis.


Bank of America Corporation and Subsidiaries
Consolidated Financial Highlights
(In millions, except per share information)
	Six Months Ended June 30						Second Quarter 2026			First Quarter 2026			Fourth Quarter 2025			Third Quarter 2025			Second Quarter 2025
	2026			2025
Income statement
Net interest income	$	31,742		$	29,113		$	15,997		$	15,745		$	15,750		$	15,233		$	14,670
Noninterest income	30,088			26,577			15,561			14,527			12,617			13,807			12,773
Total revenue, net of interest expense	61,830			55,690			31,558			30,272			28,367			29,040			27,443
Provision for credit losses	2,703			3,072			1,366			1,337			1,308			1,295			1,592
Noninterest expense	37,158			34,953			18,627			18,531			17,437			17,337			17,183
Income before income taxes	21,969			17,665			11,565			10,404			9,622			10,408			8,668
Pretax, pre-provision income (1)	24,672			20,737			12,931			11,741			10,930			11,703			10,260
Income tax expense	4,311			3,135			2,491			1,820			1,975			2,076			1,498
Net income	17,658			14,530			9,074			8,584			7,647			8,332			7,170
Preferred stock dividends	755			697			326			429			328			429			291
Net income applicable to common shareholders	16,903			13,833			8,748			8,155			7,319			7,903			6,879
Diluted earnings per common share	2.31			1.79			1.21			1.11			0.98			1.04			0.90
Average diluted common shares issued and outstanding	7,356.2			7,711.2			7,294.2			7,417.5			7,546.9			7,627.1			7,651.6
Dividends paid per common share	$	0.56		$	0.52		$	0.28		$	0.28		$	0.28		$	0.28		$	0.26

Performance ratios
Return on average assets	1.01		%	0.86		%	1.03		%	0.99		%	0.89		%	0.96		%	0.84		%
Return on average common shareholders’ equity	12.33			10.24			12.71			11.95			10.45			11.40			10.12
Return on average shareholders’ equity	11.80			9.94			12.09			11.51			9.98			11.01			9.74
Return on average tangible common shareholders’ equity (2)	16.52			13.79			17.03			16.00			13.97			15.29			13.61
Return on average tangible shareholders’ equity (2)	15.37			13.04			15.76			14.98			12.97			14.35			12.77
Efficiency ratio	60.10			62.76			59.02			61.22			61.47			59.70			62.61


At period end
Book value per share of common stock	$	39.34		$	36.92		$	39.34		$	38.66		$	38.44		$	37.72		$	36.92
Tangible book value per share of common stock (2)	29.37			27.49			29.37			28.84			28.73			28.16			27.49
Market capitalization	399,884			351,904			399,884			347,583			396,686			378,125			351,904
Number of financial centers - U.S.	3,530			3,664			3,530			3,540			3,628			3,649			3,664
Number of branded ATMs - U.S.	14,939			14,904			14,939			14,902			14,909			14,920			14,904
Headcount	211,304			213,388			211,304			212,134			213,207			213,384			213,388

(1) Pretax, pre-provision income (PTPI) is a non-GAAP financial measure calculated by adjusting pretax income to add back provision for credit losses. Management believes that PTPI is a useful financial measure because it enables an assessment of the Corporation's ability to generate earnings to cover credit losses through a credit cycle. (See Exhibit A: Non-GAAP Reconciliations - Reconciliations to GAAP Financial Measures on page 31.)

(2) Tangible equity ratios and tangible book value per share of common stock are non-GAAP financial measures. We believe the use of ratios that utilize tangible equity provides additional useful information because they present measures of those assets that can generate income. Tangible book value per share provides additional useful information about the level of tangible assets in relation to outstanding shares of common stock. (See Exhibit A: Non-GAAP Reconciliations - Reconciliations to GAAP Financial Measures on page 31.)


Current-period information is preliminary and based on company data available at the time of the presentation.			2


Bank of America Corporation and Subsidiaries
Consolidated Statement of Income
(In millions, except per share information)
	Six Months Ended June 30				Second Quarter 2026		First Quarter 2026		Fourth Quarter 2025		Third Quarter 2025		Second Quarter 2025
	2026		2025
Net interest income
Interest income	$	67,191	$	68,939	$	33,832	$	33,359	$	34,261	$	35,366	$	34,873
Interest expense	35,449		39,826		17,835		17,614		18,511		20,133		20,203
Net interest income	31,742		29,113		15,997		15,745		15,750		15,233		14,670

Noninterest income
Fees and commissions	21,629		18,884		11,080		10,549		10,181		10,337		9,469
Market making and similar activities	7,814		6,737		4,177		3,637		2,074		3,203		3,153
Other income	645		956		304		341		362		267		151
Total noninterest income	30,088		26,577		15,561		14,527		12,617		13,807		12,773
Total revenue, net of interest expense	61,830		55,690		31,558		30,272		28,367		29,040		27,443

Provision for credit losses	2,703		3,072		1,366		1,337		1,308		1,295		1,592

Noninterest expense
Compensation and benefits	22,321		21,221		10,987		11,334		10,602		10,523		10,332
Information processing and communications	3,942		3,713		1,924		2,018		1,913		1,827		1,819
Occupancy and equipment	3,814		3,692		1,914		1,900		1,884		1,872		1,836
Product delivery and transaction related	2,453		1,888		1,327		1,126		1,011		1,025		974

Professional fees	1,156		1,292		573		583		682		606		640
Marketing	1,269		1,069		736		533		563		572		563
Other general operating	2,203		2,078		1,166		1,037		782		912		1,019
Total noninterest expense	37,158		34,953		18,627		18,531		17,437		17,337		17,183
Income before income taxes	21,969		17,665		11,565		10,404		9,622		10,408		8,668
Income tax expense	4,311		3,135		2,491		1,820		1,975		2,076		1,498
Net income	$	17,658	$	14,530	$	9,074	$	8,584	$	7,647	$	8,332	$	7,170
Preferred stock dividends	755		697		326		429		328		429		291

Net income applicable to common shareholders	$	16,903	$	13,833	$	8,748	$	8,155	$	7,319	$	7,903	$	6,879

Per common share information
Earnings	$	2.35	$	1.81	$	1.22	$	1.12	$	0.99	$	1.06	$	0.91
Diluted earnings	2.31		1.79		1.21		1.11		0.98		1.04		0.90
Average common shares issued and outstanding	7,203.5		7,629.5		7,151.2		7,256.1		7,364.9		7,466.0		7,581.2
Average diluted common shares issued and outstanding	7,356.2		7,711.2		7,294.2		7,417.5		7,546.9		7,627.1		7,651.6


Consolidated Statement of Comprehensive Income
(Dollars in millions)
	Six Months Ended June 30				Second Quarter 2026		First Quarter 2026		Fourth Quarter 2025		Third Quarter 2025		Second Quarter 2025
	2026		2025
Net income	$	17,658	$	14,530	$	9,074	$	8,584	$	7,647	$	8,332	$	7,170
Other comprehensive income (loss), net-of-tax:
Net change in debt securities	(477)		51		52		(529)		667		438		(315)
Net change in debit valuation adjustments	259		144		(401)		660		(168)		(305)		(153)
Net change in derivatives	(1,378)		2,509		(751)		(627)		445		636		1,196
Employee benefit plan adjustments	71		53		36		35		282		(16)		26
Net change in foreign currency translation adjustments	18		24		9		9		(7)		6		13
Other comprehensive income (loss)	(1,507)		2,781		(1,055)		(452)		1,219		759		767
Comprehensive income	$	16,151	$	17,311	$	8,019	$	8,132	$	8,866	$	9,091	$	7,937


Current-period information is preliminary and based on company data available at the time of the presentation.			3


Bank of America Corporation and Subsidiaries
Net Interest Income and Noninterest Income
(Dollars in millions)
	Six Months Ended June 30				Second Quarter 2026		First Quarter 2026		Fourth Quarter 2025		Third Quarter 2025		Second Quarter 2025
	2026		2025
Net interest income
Interest income
Loans and leases	$	31,346	$	30,874	$	15,863	$	15,483	$	16,015	$	16,191	$	15,651
Debt securities	12,323		13,680		6,032		6,291		6,755		6,958		6,913
Federal funds sold and securities borrowed or purchased under agreements to resell	8,042		7,868		4,185		3,857		3,763		3,802		4,094
Trading account assets	6,261		6,065		3,063		3,198		2,979		3,195		3,057
Other interest income	9,219		10,452		4,689		4,530		4,749		5,220		5,158
Total interest income	67,191		68,939		33,832		33,359		34,261		35,366		34,873

Interest expense
Deposits	14,673		17,313		7,372		7,301		8,268		8,932		8,681
Short-term borrowings	13,117		14,398		6,607		6,510		6,472		7,172		7,435
Trading account liabilities	1,501		1,383		756		745		602		672		676
Long-term debt	6,158		6,732		3,100		3,058		3,169		3,357		3,411
Total interest expense	35,449		39,826		17,835		17,614		18,511		20,133		20,203
Net interest income	$	31,742	$	29,113	$	15,997	$	15,745	$	15,750	$	15,233	$	14,670

Noninterest income
Fees and commissions
Card income
Interchange fees (1)	$	1,812	$	1,952	$	947	$	865	$	934	$	990	$	1,036
Other card income	1,264		1,212		636		628		632		639		610
Total card income	3,076		3,164		1,583		1,493		1,566		1,629		1,646
Service charges
Deposit-related fees	2,642		2,493		1,336		1,306		1,284		1,267		1,265
Lending-related fees	738		683		370		368		365		365		350
Total service charges	3,380		3,176		1,706		1,674		1,649		1,632		1,615
Investment and brokerage services
Asset management fees	8,739		7,436		4,427		4,312		4,193		3,972		3,698
Brokerage fees	2,455		2,157		1,226		1,229		1,107		1,091		1,082
Total investment and brokerage services	11,194		9,593		5,653		5,541		5,300		5,063		4,780
Investment banking fees
Underwriting income	2,171		1,576		1,220		951		752		992		806
Syndication fees	697		658		360		337		324		438		289
Financial advisory services	1,111		717		558		553		590		583		333
Total investment banking fees	3,979		2,951		2,138		1,841		1,666		2,013		1,428
Total fees and commissions	21,629		18,884		11,080		10,549		10,181		10,337		9,469
Market making and similar activities	7,814		6,737		4,177		3,637		2,074		3,203		3,153
Other income (loss)	645		956		304		341		362		267		151
Total noninterest income	$	30,088	$	26,577	$	15,561	$	14,527	$	12,617	$	13,807	$	12,773

(1)Gross interchange fees and merchant income were $7.1 billion and $6.8 billion and are presented net of $5.3 billion and $4.8 billion of expenses for rewards and partner payments as well as certain other card costs for the six months ended June 30, 2026 and 2025. Gross interchange fees and merchant income were $3.7 billion, $3.4 billion, $3.6 billion, $3.4 billion and $3.5 billion and are presented net of $2.7 billion, $2.5 billion, $2.6 billion, $2.5 billion and $2.4 billion of expenses for rewards and partner payments as well as certain other card costs for the second and first quarters of 2026 and the fourth, third and second quarters of 2025, respectively.


Current-period information is preliminary and based on company data available at the time of the presentation.			4


Bank of America Corporation and Subsidiaries
Consolidated Balance Sheet
(Dollars in millions)
		June 30 2026		March 31 2026		June 30 2025
Assets
Cash and due from banks		$	28,620	$	27,125	$	26,661
Interest-bearing deposits with the Federal Reserve, non-U.S. central banks and other banks		201,125		215,354		239,350
Cash and cash equivalents		229,745		242,479		266,011
Time deposits placed and other short-term investments		9,447		7,386		9,377
Federal funds sold and securities borrowed or purchased under agreements to resell		412,415		383,264		352,392
Trading account assets		358,748		364,221		356,584
Derivative assets		45,101		48,315		42,711
Debt securities:
Carried at fair value		363,419		386,389		388,930
Held-to-maturity, at amortized cost		505,799		514,738		541,286
Total debt securities		869,218		901,127		930,216
Loans and leases		1,217,619		1,205,035		1,147,056
Allowance for loan and lease losses		(13,114)		(13,148)		(13,291)
Loans and leases, net of allowance		1,204,505		1,191,887		1,133,765
Premises and equipment, net		12,788		12,539		12,254
Goodwill		69,021		69,021		69,021
Loans held-for-sale		6,535		10,944		5,401
Customer and other receivables		106,269		96,082		93,964
Other assets		175,164		168,921		169,102
Total assets		$	3,498,956	$	3,496,186	$	3,440,798

Liabilities
Deposits in U.S. offices:
Noninterest-bearing		$	529,985	$	529,194	$	514,530
Interest-bearing		1,357,513		1,372,969		1,363,483
Deposits in non-U.S. offices:
Noninterest-bearing		14,358		14,924		14,440
Interest-bearing		123,268		120,576		119,160
Total deposits		2,025,124		2,037,663		2,011,613
Federal funds purchased and securities loaned or sold under agreements to repurchase		332,218		353,020		399,460
Trading account liabilities		123,162		129,833		107,426
Derivative liabilities		42,577		43,938		41,693
Short-term borrowings		59,979		57,630		47,891
Accrued expenses and other liabilities		274,939		247,470		221,276
Long-term debt		339,863		325,964		313,418
Total liabilities		3,197,862		3,195,518		3,142,777
Shareholders’ equity
Preferred stock, $0.01 par value; authorized – 100,000,000 shares; issued and outstanding – 3,951,164, 3,951,164 and 3,891,164 shares		24,996		24,996		23,495
Common stock and additional paid-in capital, $0.01 par value; authorized – 12,800,000,000 shares; issued and outstanding – 7,017,967,460, 7,129,908,032 and 7,436,679,485 shares		13,611		18,885		36,428
Retained earnings		274,520		267,765		250,602
Accumulated other comprehensive income (loss)		(12,033)		(10,978)		(12,504)
Total shareholders’ equity		301,094		300,668		298,021
Total liabilities and shareholders’ equity		$	3,498,956	$	3,496,186	$	3,440,798

	Assets of consolidated variable interest entities included in total assets above (isolated to settle the liabilities of the variable interest entities)
	Trading account assets	$	7,703	$	7,184	$	5,668
	Loans and leases	17,905		16,936		18,617
	Allowance for loan and lease losses	(858)		(855)		(917)
	Loans and leases, net of allowance	17,047		16,081		17,700

	All other assets	889		701		633
	Total assets of consolidated variable interest entities	$	25,639	$	23,966	$	24,001

	Liabilities of consolidated variable interest entities included in total liabilities above
	Short-term borrowings	$	6,964	$	6,403	$	4,359
	Long-term debt	7,555		6,319		8,839
	All other liabilities	20		21		23
	Total liabilities of consolidated variable interest entities	$	14,539	$	12,743	$	13,221


Current-period information is preliminary and based on company data available at the time of the presentation.			5


Bank of America Corporation and Subsidiaries
Capital Management
(Dollars in millions)
	June 30 2026			March 31 2026			June 30 2025
Risk-based capital metrics (1, 2):
Standardized Approach
Common equity tier 1 capital	$	201,581		$	199,695		$	201,200
Tier 1 capital	226,568			224,671			224,684
Total capital	262,757			258,316			259,508
Risk-weighted assets	1,792,962			1,778,126			1,748,273
Common equity tier 1 capital ratio	11.2		%	11.2		%	11.5		%
Tier 1 capital ratio	12.6			12.6			12.9
Total capital ratio	14.7			14.5			14.8

Advanced Approaches
Common equity tier 1 capital	$	201,581		$	199,695		$	201,200
Tier 1 capital	226,568			224,671			224,684
Total capital	252,112			247,594			249,000
Risk-weighted assets	1,613,436			1,593,984			1,546,112
Common equity tier 1 capital ratio	12.5		%	12.5		%	13.0		%
Tier 1 capital ratio	14.0			14.1			14.5
Total capital ratio	15.6			15.5			16.1

Leverage-based metrics (1, 2):
Adjusted average assets	$	3,452,090		$	3,432,747		$	3,353,376
Tier 1 leverage ratio	6.6		%	6.5		%	6.7		%

Supplementary leverage exposure	$	4,117,829		$	4,086,677		$	3,956,615
Supplementary leverage ratio	5.5		%	5.5		%	5.7		%

Total ending equity to total ending assets ratio	8.6			8.6			8.7
Common equity ratio	7.9			7.9			8.0
Tangible equity ratio (3)	6.7			6.7			6.8
Tangible common equity ratio (3)	6.0			6.0			6.1

(1)Effective in the fourth quarter of 2025, the Corporation elected to change its accounting methods for certain tax-related equity investments and applied those changes retrospectively through cumulative adjustment to retained earnings. Under applicable bank regulatory rules, the Corporation is not required to revise previously-filed regulatory capital ratios and, accordingly, did not revise regulatory capital information as of June 30, 2025.

(2)Regulatory capital ratios at June 30, 2026 are preliminary. The Corporation reports regulatory capital ratios under both the Standardized and Advanced approaches. Capital adequacy is evaluated against the lower of the Standardized or Advanced approaches compared to their respective regulatory capital ratio requirements. The Corporation’s binding ratio was the Tier 1 capital ratio under the Standardized approach at June 30, 2026 and the Total capital ratio under the Standardized approach at March 31, 2026 and June 30, 2025.

(3)Tangible equity ratio equals period-end tangible shareholders’ equity divided by period-end tangible assets. Tangible common equity ratio equals period-end tangible common shareholders’ equity divided by period-end tangible assets. Tangible shareholders’ equity and tangible assets are non-GAAP financial measures. We believe the use of ratios that utilize tangible equity provides additional useful information because they present measures of those assets that can generate income. (See Exhibit A: Non-GAAP Reconciliations - Reconciliation to GAAP Financial Measures on page 31.)


Current-period information is preliminary and based on company data available at the time of the presentation.			6


Bank of America Corporation and Subsidiaries
Capital Composition under Basel 3
(Dollars in millions)
	June 30 2026		March 31 2026		June 30 2025
Total common shareholders' equity	$	276,098	275,672		$	274,526
Impact of change in accounting method (1)	—		—		1,578
Goodwill, net of related deferred tax liabilities	(68,651)		(68,651)		(68,649)
Deferred tax assets arising from net operating loss and tax credit carryforwards	(8,561)		(8,739)		(8,452)
Intangibles, other than mortgage servicing rights, net of related deferred tax liabilities	(1,357)		(1,371)		(1,410)
Defined benefit pension plan net assets, net-of-tax	(886)		(876)		(817)
Cumulative unrealized net (gain) loss related to changes in fair value of financial liabilities attributable to own creditworthiness, net-of-tax	1,541		1,090		1,349
Accumulated net (gain) loss on certain cash flow hedges (2)	3,413		2,657		3,094
Other	(16)		(87)		(19)
Common equity tier 1 capital	201,581		199,695		201,200
Qualifying preferred stock, net of issuance cost	24,995		24,995		23,494
Other	(8)		(19)		(10)
Tier 1 capital	226,568		224,671		224,684
Tier 2 capital instruments	22,348		19,518		20,634
Qualifying allowance for credit losses	14,318		14,359		14,499
Other	(477)		(232)		(309)
Total capital under the Standardized approach	262,757		258,316		259,508
Adjustment in qualifying allowance for credit losses under the Advanced approaches	(10,645)		(10,722)		(10,508)
Total capital under the Advanced approaches	$	252,112	$	247,594	$	249,000

(1)Represents the decrease in retained earnings due to the Corporation's election to change accounting methods for certain tax-related equity investments in the fourth quarter of 2025. Under applicable bank regulatory rules, the Corporation is not required to revise previously-filed regulatory capital ratios and, accordingly, did not revise regulatory capital information as of June 30, 2025.

(2)Includes amounts in accumulated other comprehensive income related to the hedging of items that are not recognized at fair value on the Consolidated Balance Sheet.


Current-period information is preliminary and based on company data available at the time of the presentation.			7


Bank of America Corporation and Subsidiaries
Quarterly Average Balances and Interest Rates – Fully Taxable-equivalent Basis
(Dollars in millions)
	Second Quarter 2026						First Quarter 2026						Second Quarter 2025
	Average Balance		Interest Income/ Expense (1)		Yield/ Rate		Average Balance		Interest Income/ Expense (1)		Yield/ Rate		Average Balance		Interest Income/ Expense (1)		Yield/ Rate
Earning assets
Interest-bearing deposits with the Federal Reserve, non-U.S. central banks and other banks	$	254,700	$	2,215	3.49	%	$	244,128	$	2,087	3.47	%	$	274,839	$	2,843	4.15	%
Time deposits placed and other short-term investments	11,839		93		3.15		10,470		77		2.98		10,405		89		3.43
Federal funds sold and securities borrowed or purchased under agreements to resell	373,297		4,185		4.50		346,289		3,857		4.52		353,331		4,094		4.65
Trading account assets	240,768		3,097		5.16		258,038		3,232		5.08		234,282		3,081		5.27
Debt securities	880,724		6,051		2.74		914,990		6,307		2.77		933,065		6,932		2.96
Loans and leases (2)
Residential mortgage	236,187		2,106		3.57		236,089		2,084		3.54		235,130		2,031		3.46
Home equity	27,099		370		5.48		26,884		352		5.31		26,190		379		5.80
Credit card	103,640		2,794		10.81		103,087		2,822		11.10		100,013		2,846		11.41

Direct/Indirect and other consumer	116,455		1,484		5.11		114,167		1,453		5.17		108,955		1,484		5.47

Total consumer	483,381		6,754		5.60		480,227		6,711		5.65		470,288		6,740		5.74
U.S. commercial	482,510		6,034		5.01		466,097		5,776		5.02		427,194		5,709		5.36
Non-U.S. commercial	164,502		1,940		4.73		158,080		1,851		4.75		149,044		2,016		5.42
Commercial real estate	70,280		985		5.62		68,829		963		5.67		65,847		1,023		6.23
Commercial lease financing	15,846		200		5.06		16,295		233		5.74		16,080		214		5.33
Total commercial	733,138		9,159		5.01		709,301		8,823		5.04		658,165		8,962		5.46
Total loans and leases	1,216,519		15,913		5.24		1,189,528		15,534		5.29		1,128,453		15,702		5.58
Other earning assets	128,879		2,441		7.60		136,534		2,427		7.20		115,831		2,277		7.89
Total earning assets	3,106,726		33,995		4.39		3,099,977		33,521		4.38		3,050,206		35,018		4.60
Cash and due from banks	26,656						25,877						24,781
Other assets, less allowance for loan and lease losses	398,186						386,636						355,293
Total assets	$	3,531,568					$	3,512,490					$	3,430,280
Interest-bearing liabilities
U.S. interest-bearing deposits

Demand and money market deposits	$	1,108,939	$	5,042	1.82	%	$	1,109,607	$	4,940	1.81	%	$	1,078,771	$	5,739	2.13	%

Time and savings deposits	254,022		1,661		2.62		251,937		1,689		2.72		259,261		1,998		3.09
Total U.S. interest-bearing deposits	1,362,961		6,703		1.97		1,361,544		6,629		1.97		1,338,032		7,737		2.32




Non-U.S. interest-bearing deposits	126,738		669		2.11		129,047		672		2.11		121,921		944		3.11
Total interest-bearing deposits	1,489,699		7,372		1.98		1,490,591		7,301		1.99		1,459,953		8,681		2.38
Federal funds purchased and securities loaned or sold under agreements to repurchase	353,243		4,135		4.70		384,213		4,287		4.52		414,655		4,946		4.78
Short-term borrowings and other interest-bearing liabilities	228,651		2,472		4.34		198,232		2,223		4.55		183,008		2,489		5.45
Trading account liabilities	57,026		756		5.32		52,927		745		5.71		53,805		676		5.04
Long-term debt	256,197		3,100		4.85		253,997		3,058		4.86		249,104		3,411		5.49
Total interest-bearing liabilities	2,384,816		17,835		3.00		2,379,960		17,614		3.00		2,360,525		20,203		3.43
Noninterest-bearing sources
Noninterest-bearing deposits	533,251						526,338						513,808
Other liabilities (3)	312,517						303,691						260,618
Shareholders’ equity	300,984						302,501						295,329
Total liabilities and shareholders’ equity	$	3,531,568					$	3,512,490					$	3,430,280
Net interest spread					1.39	%					1.38	%					1.17	%
Impact of noninterest-bearing sources					0.69						0.69						0.77
Net interest income/yield on earning assets (4)			$	16,160	2.08	%			$	15,907	2.07	%			$	14,815	1.94	%

(1)Includes the impact of interest rate risk management contracts.

(2)Nonperforming loans are included in the respective average loan balances. Income on these nonperforming loans is generally recognized on a cost recovery basis.

(3)Includes $84.6 billion, $77.3 billion and $58.8 billion of structured notes and liabilities for the second and first quarters of 2026 and the second quarter of 2025, respectively.

(4)Net interest income includes FTE adjustments of $163 million, $162 million and $145 million for the second and first quarters of 2026 and the second quarter of 2025, respectively.


Current-period information is preliminary and based on company data available at the time of the presentation.			8


Bank of America Corporation and Subsidiaries
Debt Securities
(Dollars in millions)
	June 30, 2026
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Available-for-sale debt securities
Mortgage-backed securities:
Agency	$	41,870	$	125	$	(1,154)	$	40,841
Agency-collateralized mortgage obligations	17,204		85		(141)		17,148
Commercial	44,281		260		(484)		44,057
Non-agency residential	75		1		(24)		52
Total mortgage-backed securities	103,430		471		(1,803)		102,098
U.S. Treasury and government agencies	195,191		128		(916)		194,403
Non-U.S. securities	37,718		12		(63)		37,667
Other taxable securities	7,399		2		(54)		7,347

Tax-exempt securities	7,176		8		(159)		7,025
Total available-for-sale debt securities	350,914		621		(2,995)		348,540
Other debt securities carried at fair value (1)	14,928		121		(170)		14,879
Total debt securities carried at fair value	365,842		742		(3,165)		363,419
Held-to-maturity debt securities
Agency mortgage-backed securities	379,169		—		(68,332)		310,837
U.S. Treasury and government agencies	121,262		—		(13,011)		108,251
Other taxable securities	5,397		1		(752)		4,646
Total held-to-maturity debt securities	505,828		1		(82,095)		423,734
Total debt securities	$	871,670	$	743	$	(85,260)	$	787,153


	March 31, 2026
Available-for-sale debt securities
Mortgage-backed securities:
Agency	$	44,544	$	72	$	(1,170)	$	43,446
Agency-collateralized mortgage obligations	18,365		47		(137)		18,275
Commercial	44,212		181		(452)		43,941
Non-agency residential	270		54		(61)		263
Total mortgage-backed securities	107,391		354		(1,820)		105,925
U.S. Treasury and government agencies	215,210		103		(866)		214,447
Non-U.S. securities	33,455		4		(47)		33,412
Other taxable securities	6,185		3		(57)		6,131

Tax-exempt securities	9,203		14		(169)		9,048
Total available-for-sale debt securities	371,444		478		(2,959)		368,963
Other debt securities carried at fair value (1)	17,492		118		(184)		17,426
Total debt securities carried at fair value	388,936		596		(3,143)		386,389
Held-to-maturity debt securities
Agency mortgage-backed securities	387,880		—		(67,766)		320,114
U.S. Treasury and government agencies	121,252		—		(12,640)		108,612
Other taxable securities	5,631		2		(748)		4,885
Total held-to-maturity debt securities	514,763		2		(81,154)		433,611
Total debt securities	$	903,699	$	598	$	(84,297)	$	820,000

(1) Primarily includes non-U.S. securities used to satisfy certain international regulatory requirements.


Current-period information is preliminary and based on company data available at the time of the presentation.			9


Bank of America Corporation and Subsidiaries
Supplemental Financial Data
(Dollars in millions)

	Six Months Ended June 30						Second Quarter 2026			First Quarter 2026			Fourth Quarter 2025			Third Quarter 2025			Second Quarter 2025
	2026			2025






FTE basis data (1)
Net interest income	$	32,067		$	29,403		$	16,160		$	15,907		$	15,915		$	15,387		$	14,815
Total revenue, net of interest expense	62,155			55,980			31,721			30,434			28,532			29,194			27,588
Net interest yield	2.08		%	1.96		%	2.08		%	2.07		%	2.08		%	2.01		%	1.94		%
Efficiency ratio	59.78			62.44			58.72			60.89			61.11			59.39			62.28

(1)FTE basis is a non-GAAP financial measure. FTE basis is a performance measure used by management in operating the business that management believes provides investors with meaningful information on the interest margin for comparative purposes. The Corporation believes that this presentation allows for comparison of amounts from both taxable and tax-exempt sources and is consistent with industry practices. Net interest income includes FTE adjustments of $325 million and $290 million for the six months ended June 30, 2026 and 2025, $163 million and $162 million for the second and first quarters of 2026, and $165 million, $154 million and $145 million for the fourth, third and second quarters of 2025, respectively.


Current-period information is preliminary and based on company data available at the time of the presentation.			10


Bank of America Corporation and Subsidiaries
Quarterly Results by Business Segment and All Other
(Dollars in millions)
	Second Quarter 2026
	Total Corporation		Consumer Banking		GWIM		Global Banking		Global Markets		All Other
Net interest income	$	16,160	$	9,206	$	1,888	$	3,198	$	1,911	$	(43)
Noninterest income
Fees and commissions:
Card income	1,583		1,346		5		216		16		—
Service charges	1,706		639		30		932		102		3
Investment and brokerage services	5,653		106		4,793		29		729		(4)
Investment banking fees	2,138		—		88		1,154		965		(69)
Total fees and commissions	11,080		2,091		4,916		2,331		1,812		(70)
Market making and similar activities	4,177		7		32		59		4,422		(343)
Other income (loss)	304		32		35		648		(123)		(288)
Total noninterest income (loss)	15,561		2,130		4,983		3,038		6,111		(701)
Total revenue, net of interest expense	31,721		11,336		6,871		6,236		8,022		(744)
Provision for credit losses	1,366		1,160		11		215		(11)		(9)
Noninterest expense	18,627		5,801		4,976		3,199		4,484		167
Income (loss) before income taxes	11,728		4,375		1,884		2,822		3,549		(902)
Income tax expense (benefit)	2,654		1,094		471		776		923		(610)
Net income (loss)	$	9,074	$	3,281	$	1,413	$	2,046	$	2,626	$	(292)

Average
Total loans and leases	$	1,216,519	$	321,056	$	270,257	$	413,364	$	204,994	$	6,848
Total assets (1)	3,531,568		1,041,292		328,688		754,368		1,120,548		286,672
Total deposits	2,022,950		956,957		281,593		651,867		38,129		94,404
Period end
Total loans and leases	$	1,217,619	$	322,271	$	276,980	$	412,294	$	198,678	$	7,396
Total assets (1)	3,498,956		1,039,051		327,667		761,395		1,106,764		264,079
Total deposits	2,025,124		953,195		278,155		662,867		38,146		92,761

	First Quarter 2026
	Total Corporation		Consumer Banking		GWIM		Global Banking		Global Markets		All Other
Net interest income	$	15,907	$	8,993	$	1,862	$	3,230	$	1,861	$	(39)
Noninterest income
Fees and commissions:
Card income	1,493		1,273		2		202		16		—
Service charges	1,674		638		32		904		100		—
Investment and brokerage services	5,541		102		4,671		11		760		(3)
Investment banking fees	1,841		—		82		1,047		762		(50)
Total fees and commissions	10,549		2,013		4,787		2,164		1,638		(53)
Market making and similar activities	3,637		7		31		81		3,721		(203)
Other income (loss)	341		36		32		812		(111)		(428)
Total noninterest income (loss)	14,527		2,056		4,850		3,057		5,248		(684)
Total revenue, net of interest expense	30,434		11,049		6,712		6,287		7,109		(723)
Provision for credit losses	1,337		1,132		2		185		27		(9)
Noninterest expense	18,531		5,837		4,938		3,223		4,370		163
Income (loss) before income taxes	10,566		4,080		1,772		2,879		2,712		(877)
Income tax expense (benefit)	1,982		1,020		443		792		705		(978)
Net income	$	8,584	$	3,060	$	1,329	$	2,087	$	2,007	$	101

Average
Total loans and leases	$	1,189,528	$	322,164	$	262,150	$	396,988	$	201,237	$	6,989
Total assets (1)	3,512,490		1,034,670		333,409		749,898		1,101,576		292,937
Total deposits	2,016,929		950,809		286,578		647,583		39,752		92,207
Period end
Total loans and leases	$	1,205,035	$	321,196	$	264,070	$	406,982	$	205,941	$	6,846
Total assets (1)	3,496,186		1,058,618		336,511		745,299		1,091,745		264,013
Total deposits	2,037,663		973,306		287,719		647,018		38,012		91,608

(1)Total assets include asset allocations to match liabilities (i.e., deposits).


Current-period information is preliminary and based on company data available at the time of the presentation.			11


Bank of America Corporation and Subsidiaries
Quarterly Results by Business Segment and All Other (continued)
(Dollars in millions)
	Second Quarter 2025
	Total Corporation		Consumer Banking		GWIM		Global Banking		Global Markets		All Other
Net interest income	$	14,815	$	8,726	$	1,762	$	3,081	$	1,267	$	(21)
Noninterest income
Fees and commissions:
Card income	1,646		1,415		10		207		19		(5)
Service charges	1,615		627		28		864		94		2
Investment and brokerage services	4,780		85		4,033		23		642		(3)
Investment banking fees	1,428		—		65		767		666		(70)
Total fees and commissions	9,469		2,127		4,136		1,861		1,421		(76)
Market making and similar activities	3,153		6		28		68		3,300		(249)
Other income (loss)	151		(46)		11		679		(6)		(487)
Total noninterest income (loss)	12,773		2,087		4,175		2,608		4,715		(812)
Total revenue, net of interest expense	27,588		10,813		5,937		5,689		5,982		(833)
Provision for credit losses	1,592		1,282		20		277		22		(9)
Noninterest expense	17,183		5,567		4,593		3,070		3,806		147
Income (loss) before income taxes	8,813		3,964		1,324		2,342		2,154		(971)
Income tax expense (benefit)	1,643		991		331		644		625		(948)
Net income (loss)	$	7,170	$	2,973	$	993	$	1,698	$	1,529	$	(23)

Average
Total loans and leases	$	1,128,453	$	319,142	$	237,377	$	387,864	$	176,368	$	7,702
Total assets (1)	3,430,280		1,033,776		320,224		703,326		1,022,955		349,999
Total deposits	1,973,761		951,986		276,825		603,410		38,040		103,500
Period end
Total loans and leases	$	1,147,056	$	320,908	$	241,142	$	390,691	$	187,357	$	6,958
Total assets (1)	3,440,798		1,037,407		320,820		739,214		1,017,594		325,763
Total deposits	2,011,613		954,373		275,778		643,529		38,232		99,701

(1)Total assets include asset allocations to match liabilities (i.e., deposits).


Current-period information is preliminary and based on company data available at the time of the presentation.			12


Bank of America Corporation and Subsidiaries
Year-to-Date by Business Segment and All Other
(Dollars in millions)
	Six Months Ended June 30, 2026
	Total Corporation		Consumer Banking		GWIM		Global Banking		Global Markets		All Other
Net interest income	$	32,067	$	18,199	$	3,750	$	6,428	$	3,772	$	(82)
Noninterest income
Fees and commissions:
Card income	3,076		2,619		7		418		32		—
Service charges	3,380		1,277		62		1,836		202		3
Investment and brokerage services	11,194		208		9,464		40		1,489		(7)
Investment banking fees	3,979		—		170		2,201		1,727		(119)
Total fees and commissions	21,629		4,104		9,703		4,495		3,450		(123)
Market making and similar activities	7,814		14		63		140		8,143		(546)
Other income (loss)	645		68		67		1,460		(234)		(716)
Total noninterest income (loss)	30,088		4,186		9,833		6,095		11,359		(1,385)
Total revenue, net of interest expense	62,155		22,385		13,583		12,523		15,131		(1,467)
Provision for credit losses	2,703		2,292		13		400		16		(18)
Noninterest expense	37,158		11,638		9,914		6,422		8,854		330
Income (loss) before income taxes	22,294		8,455		3,656		5,701		6,261		(1,779)
Income tax expense (benefit)	4,636		2,114		914		1,568		1,628		(1,588)
Net income (loss)	$	17,658	$	6,341	$	2,742	$	4,133	$	4,633	$	(191)

Average
Total loans and leases	$	1,203,098	$	321,607	$	266,226	$	405,222	$	203,126	$	6,917
Total assets (1)	3,522,082		1,038,000		331,035		752,145		1,111,115		289,787
Total deposits	2,019,955		953,900		284,072		649,737		38,936		93,310
Period end
Total loans and leases	$	1,217,619	$	322,271	$	276,980	$	412,294	$	198,678	$	7,396
Total assets (1)	3,498,956		1,039,051		327,667		761,395		1,106,764		264,079
Total deposits	2,025,124		953,195		278,155		662,867		38,146		92,761

	Six Months Ended June 30, 2025
	Total Corporation		Consumer Banking		GWIM		Global Banking		Global Markets		All Other
Net interest income	$	29,403	$	17,231	$	3,527	$	6,232	$	2,456	$	(43)
Noninterest income
Fees and commissions:
Card income	3,164		2,712		20		409		33		(10)
Service charges	3,176		1,245		55		1,690		183		3
Investment and brokerage services	9,593		168		8,122		41		1,269		(7)
Investment banking fees	2,951		—		134		1,614		1,347		(144)
Total fees and commissions	18,884		4,125		8,331		3,754		2,832		(158)
Market making and similar activities	6,737		14		62		134		6,922		(395)
Other income (loss)	956		(64)		33		1,561		357		(931)
Total noninterest income (loss)	26,577		4,075		8,426		5,449		10,111		(1,484)
Total revenue, net of interest expense	55,980		21,306		11,953		11,681		12,567		(1,527)
Provision for credit losses	3,072		2,574		34		431		50		(17)
Noninterest expense	34,953		11,393		9,252		6,254		7,617		437
Income (loss) before income taxes	17,955		7,339		2,667		4,996		4,900		(1,947)
Income tax expense (benefit)	3,425		1,835		667		1,374		1,421		(1,872)
Net income (loss)	$	14,530	$	5,504	$	2,000	$	3,622	$	3,479	$	(75)

Average
Total loans and leases	$	1,111,191	$	317,101	$	234,866	$	383,324	$	168,043	$	7,857
Total assets (1)	3,389,870		1,031,560		325,387		688,686		996,267		347,970
Total deposits	1,966,089		949,780		281,586		589,375		38,423		106,925
Period end
Total loans and leases	$	1,147,056	$	320,908	$	241,142	$	390,691	$	187,357	$	6,958
Total assets (1)	3,440,798		1,037,407		320,820		739,214		1,017,594		325,763
Total deposits	2,011,613		954,373		275,778		643,529		38,232		99,701

(1)Total assets include asset allocations to match liabilities (i.e., deposits).


Current-period information is preliminary and based on company data available at the time of the presentation.			13


Bank of America Corporation and Subsidiaries
Consumer Banking Segment Results
(Dollars in millions)
	Six Months Ended June 30						Second Quarter 2026			First Quarter 2026			Fourth Quarter 2025			Third Quarter 2025			Second Quarter 2025
	2026			2025
Net interest income	$	18,199		$	17,231		$	9,206		$	8,993		$	9,090		$	8,988		$	8,726
Noninterest income:
Card income	2,619			2,712			1,346			1,273			1,341			1,403			1,415
Service charges	1,277			1,245			639			638			638			645			627

All other income	290			118			145			145			132			130			45
Total noninterest income	4,186			4,075			2,130			2,056			2,111			2,178			2,087
Total revenue, net of interest expense	22,385			21,306			11,336			11,049			11,201			11,166			10,813

Provision for credit losses	2,292			2,574			1,160			1,132			1,066			1,009			1,282

Noninterest expense	11,638			11,393			5,801			5,837			5,729			5,575			5,567
Income before income taxes	8,455			7,339			4,375			4,080			4,406			4,582			3,964
Income tax expense	2,114			1,835			1,094			1,020			1,102			1,145			991
Net income	$	6,341		$	5,504		$	3,281		$	3,060		$	3,304		$	3,437		$	2,973

Net interest yield	3.67		%	3.49		%	3.68		%	3.66		%	3.64		%	3.59		%	3.51		%
Efficiency ratio	51.99			53.48			51.18			52.82			51.15			49.92			51.48
Return on average allocated capital (1)	28			25			29			27			30			31			27

Balance Sheet
Average
Total loans and leases	$	321,607		$	317,101		$	321,056		$	322,164		$	322,678		$	320,297		$	319,142
Total earning assets (2)	999,632			994,233			1,002,799			996,431			989,897			992,007			996,193
Total assets (2)	1,038,000			1,031,560			1,041,292			1,034,670			1,027,783			1,029,529			1,033,776
Total deposits	953,900			949,780			956,957			950,809			945,394			947,414			951,986
Allocated capital (1)	45,500			44,000			45,500			45,500			44,000			44,000			44,000

Period end
Total loans and leases	$	322,271		$	320,908		$	322,271		$	321,196		$	325,871		$	321,905		$	320,908
Total earning assets (2)	999,457			999,094			999,457			1,019,832			998,969			994,931			999,094
Total assets (2)	1,039,051			1,037,407			1,039,051			1,058,618			1,039,346			1,032,826			1,037,407
Total deposits	953,195			954,373			953,195			973,306			956,265			949,100			954,373

(1) Return on average allocated capital is calculated as net income, adjusted for cost of funds and earnings credits and certain expenses related to intangibles, divided by average allocated capital. Other companies may define or calculate these measures differently.

(2) Total earning assets and total assets include asset allocations to match liabilities (i.e., deposits) and allocated shareholders’ equity.


Current-period information is preliminary and based on company data available at the time of the presentation.			14


Bank of America Corporation and Subsidiaries
Consumer Banking Key Indicators
(Dollars in millions)
	Six Months Ended June 30						Second Quarter 2026			First Quarter 2026			Fourth Quarter 2025			Third Quarter 2025			Second Quarter 2025
	2026			2025
Average deposit balances
Checking	$	564,111		$	553,804		$	567,531		$	560,652		$	555,202		$	553,438		$	556,030
Savings	51,533			53,031			51,807			51,256			50,843			51,840			53,077
MMS	229,254			239,845			229,194			229,315			228,437			232,892			238,285
CDs and IRAs	105,358			99,498			104,768			105,954			107,364			105,633			100,957
Other	3,644			3,602			3,657			3,632			3,548			3,611			3,637
Total average deposit balances	$	953,900		$	949,780		$	956,957		$	950,809		$	945,394		$	947,414		$	951,986

Deposit spreads (excludes noninterest costs)
Checking	3.11		%	2.85		%	3.15		%	3.07		%	3.02		%	2.96		%	2.90		%
Savings	3.42			3.17			3.46			3.39			3.33			3.28			3.21
MMS	3.62			3.42			3.64			3.59			3.56			3.52			3.45
CDs and IRAs	1.28			1.53			1.31			1.24			1.25			1.37			1.49
Other	3.63			4.22			3.57			3.68			4.27			4.13			4.18
Total deposit spreads	3.05			2.88			3.08			3.01			2.97			2.94			2.91

Consumer investment assets (1)	$	639,517		$	539,727		$	639,517		$	573,254		$	599,110		$	580,391		$	539,727

Active digital banking users (in thousands) (2)	49,834			48,998			49,834			49,986			49,323			49,198			48,998
Active mobile banking users (in thousands) (3)	42,056			40,840			42,056			41,766			41,427			41,258			40,840
Financial centers	3,530			3,664			3,530			3,540			3,628			3,649			3,664
ATMs	14,939			14,904			14,939			14,902			14,909			14,920			14,904

Total credit card (4)
Loans
Average credit card outstandings	$	103,365		$	100,092		$	103,640		$	103,087		$	102,992		$	100,966		$	100,013
Ending credit card outstandings	105,659			101,209			105,659			102,833			106,027			102,109			101,209
Credit quality
Net charge-offs	$	1,843		$	1,955		$	919		$	924		$	882		$	880		$	954
	3.59		%	3.94		%	3.55		%	3.64		%	3.40		%	3.46		%	3.82		%
30+ delinquency	$	2,352		$	2,388		$	2,352		$	2,512		$	2,604		$	2,464		$	2,388
	2.23		%	2.36		%	2.23		%	2.44		%	2.46		%	2.41		%	2.36		%
90+ delinquency	$	1,241		$	1,257		$	1,241		$	1,341		$	1,352		$	1,259		$	1,257
	1.17		%	1.24		%	1.17		%	1.30		%	1.27		%	1.23		%	1.24		%
Other total credit card indicators (4)
Gross interest yield	11.49		%	12.09		%	11.36		%	11.64		%	11.76		%	12.17		%	12.06		%
Risk-adjusted margin	6.58			6.88			6.47			6.69			7.02			7.48			7.07
New accounts (in thousands)	1,883			1,747			999			884			855			929			834
Purchase volumes	$	194,849		$	183,022		$	101,877		$	92,972		$	99,622		$	95,116		$	94,814

Debit card data
Purchase volumes	$	316,123		$	289,485		$	164,189		$	151,934		$	155,070		$	150,048		$	149,288

Loan production (5)
Consumer Banking:
First mortgage	$	6,563		$	4,909		$	3,497		$	3,066		$	4,176		$	3,052		$	3,052
Home equity	4,404			4,075			2,404			2,000			2,159			2,326			2,241
Total (6):
First mortgage	$	14,691		$	11,112		$	8,259		$	6,432		$	8,463		$	6,751		$	6,604
Home equity	5,361			4,980			2,899			2,462			2,620			2,800			2,766

(1) Includes client brokerage assets, deposit sweep balances, brokered certificates of deposit (CDs), and assets under management (AUM) in Consumer Banking.

(2) Represents mobile and/or online active users over the past 90 days.

(3) Represents mobile active users over the past 90 days.

(4) In addition to the credit card portfolio in Consumer Banking, the remaining credit card portfolio is in GWIM.

(5) Loan production amounts represent the unpaid principal balance of loans and, in the case of home equity, the principal amount of the total line of credit.

(6) In addition to loan production in Consumer Banking, there is also first mortgage and home equity loan production in GWIM.


Current-period information is preliminary and based on company data available at the time of the presentation.			15


Bank of America Corporation and Subsidiaries
Global Wealth & Investment Management Segment Results
(Dollars in millions)
	Six Months Ended June 30						Second Quarter 2026			First Quarter 2026			Fourth Quarter 2025			Third Quarter 2025			Second Quarter 2025
	2026			2025
Net interest income	$	3,750		$	3,527		$	1,888		$	1,862		$	1,870		$	1,800		$	1,762
Noninterest income:
Investment and brokerage services	9,464			8,122			4,793			4,671			4,563			4,334			4,033
All other income	369			304			190			179			185			178			142
Total noninterest income	9,833			8,426			4,983			4,850			4,748			4,512			4,175
Total revenue, net of interest expense	13,583			11,953			6,871			6,712			6,618			6,312			5,937

Provision for credit losses	13			34			11			2			(3)			4			20

Noninterest expense	9,914			9,252			4,976			4,938			4,747			4,622			4,593
Income before income taxes	3,656			2,667			1,884			1,772			1,874			1,686			1,324
Income tax expense	914			667			471			443			469			421			331
Net income	$	2,742		$	2,000		$	1,413		$	1,329		$	1,405		$	1,265		$	993

Net interest yield	2.39		%	2.28		%	2.42		%	2.37		%	2.39		%	2.33		%	2.31		%
Efficiency ratio	72.99			77.40			72.41			73.58			71.75			73.22			77.36

Return on average allocated capital (1)	25			21			26			24			28			26			20

Balance Sheet
Average
Total loans and leases	$	266,226		$	234,866		$	270,257		$	262,150		$	256,968		$	245,523		$	237,377
Total earning assets (2)	316,294			311,660			313,639			318,978			309,916			306,384			306,490
Total assets (2)	331,035			325,387			328,688			333,409			324,446			320,484			320,224
Total deposits	284,072			281,586			281,593			286,578			279,456			276,534			276,825
Allocated capital (1)	22,250			19,750			22,250			22,250			19,750			19,750			19,750


Period end
Total loans and leases	$	276,980		$	241,142		$	276,980		$	264,070		$	261,303		$	252,986		$	241,142
Total earning assets (2)	311,564			305,793			311,564			321,554			320,899			310,732			305,793
Total assets (2)	327,667			320,820			327,667			336,511			335,495			325,605			320,820
Total deposits	278,155			275,778			278,155			287,719			289,854			278,931			275,778

(1)Return on average allocated capital is calculated as net income, adjusted for cost of funds and earnings credits and certain expenses related to intangibles, divided by average allocated capital. Other companies may define or calculate these measures differently.

(2)Total earning assets and total assets include asset allocations to match liabilities (i.e., deposits) and allocated shareholders’ equity.


Current-period information is preliminary and based on company data available at the time of the presentation.			16


Bank of America Corporation and Subsidiaries
Global Wealth & Investment Management Key Indicators
(Dollars in millions)
	Six Months Ended June 30				Second Quarter 2026		First Quarter 2026		Fourth Quarter 2025		Third Quarter 2025		Second Quarter 2025
	2026		2025
Revenue by Business
Merrill Wealth Management	$	11,290	$	9,961	$	5,711	$	5,579	$	5,494	$	5,261	$	4,942
Bank of America Private Bank	2,293		1,992		1,160		1,133		1,124		1,051		995

Total revenue, net of interest expense	$	13,583	$	11,953	$	6,871	$	6,712	$	6,618	$	6,312	$	5,937

Client Balances by Business, at period end
Merrill Wealth Management	$	4,132,451	$	3,695,213	$	4,132,451	$	3,815,389	$	3,992,312	$	3,896,124	$	3,695,213
Bank of America Private Bank	801,945		700,018		801,945		757,017		759,082		744,675		700,018

Total client balances	$	4,934,396	$	4,395,231	$	4,934,396	$	4,572,406	$	4,751,394	$	4,640,799	$	4,395,231

Client Balances by Type, at period end


Assets under management (1)	$	2,327,766	$	1,986,523	$	2,327,766	$	2,115,782	$	2,177,708	$	2,109,946	$	1,986,523
Brokerage and other assets	2,094,157		1,932,182		2,094,157		1,946,617		2,067,937		2,040,748		1,932,182

Deposits	278,155		275,778		278,155		287,719		289,854		278,931		275,778
Loans and leases (2)	279,618		243,409		279,618		266,657		263,819		255,381		243,409
Less: Managed deposits in assets under management	(45,300)		(42,661)		(45,300)		(44,369)		(47,924)		(44,207)		(42,661)
Total client balances	$	4,934,396	$	4,395,231	$	4,934,396	$	4,572,406	$	4,751,394	$	4,640,799	$	4,395,231

Assets Under Management Rollforward
Assets under management, beginning balance	$	2,177,708	$	1,882,211	$	2,115,782	$	2,177,708	$	2,109,946	$	1,986,523	$	1,855,657
Net client flows	34,045		38,271		13,673		20,372		20,209		23,517		14,314

Market valuation/other	116,013		66,041		198,311		(82,298)		47,553		99,906		116,552
Total assets under management, ending balance	$	2,327,766	$	1,986,523	$	2,327,766	$	2,115,782	$	2,177,708	$	2,109,946	$	1,986,523

(1)Defined as managed assets under advisory and/or discretion of GWIM.

(2)Includes margin receivables, which are classified in customer and other receivables on the Consolidated Balance Sheet.


Current-period information is preliminary and based on company data available at the time of the presentation.			17


Bank of America Corporation and Subsidiaries
Global Banking Segment Results
(Dollars in millions)
	Six Months Ended June 30						Second Quarter 2026			First Quarter 2026			Fourth Quarter 2025			Third Quarter 2025			Second Quarter 2025
	2026			2025
Net interest income	$	6,428		$	6,232		$	3,198		$	3,230		$	3,238		$	3,141		$	3,081
Noninterest income:
Service charges	1,836			1,690			932			904			885			863			864
Investment banking fees	2,201			1,614			1,154			1,047			973			1,155			767
All other income	2,058			2,145			952			1,106			1,142			1,030			977
Total noninterest income	6,095			5,449			3,038			3,057			3,000			3,048			2,608
Total revenue, net of interest expense	12,523			11,681			6,236			6,287			6,238			6,189			5,689

Provision for credit losses	400			431			215			185			243			269			277

Noninterest expense	6,422			6,254			3,199			3,223			3,118			3,044			3,070
Income before income taxes	5,701			4,996			2,822			2,879			2,877			2,876			2,342
Income tax expense	1,568			1,374			776			792			791			791			644
Net income	$	4,133		$	3,622		$	2,046		$	2,087		$	2,086		$	2,085		$	1,698

Net interest yield	1.88		%	2.02		%	1.86		%	1.91		%	1.86		%	1.87		%	1.94		%
Efficiency ratio	51.29			53.55			51.30			51.27			50.01			49.16			53.98
Return on average allocated capital (1)	15			14			15			16			16			16			13

Balance Sheet
Average
Total loans and leases	$	405,222		$	383,324		$	413,364		$	396,988		$	386,319		$	388,482		$	387,864
Total earning assets (2)	687,699			623,607			689,980			685,393			690,069			665,143			638,259
Total assets (2)	752,145			688,686			754,368			749,898			754,999			730,206			703,326
Total deposits	649,737			589,375			651,867			647,583			656,120			631,560			603,410
Allocated capital (1)	54,250			50,750			54,250			54,250			50,750			50,750			50,750

Period end
Total loans and leases	$	412,294		$	390,691		$	412,294		$	406,982		$	388,998		$	386,828		$	390,691
Total earning assets (2)	695,499			673,069			695,499			681,219			671,354			671,971			673,069
Total assets (2)	761,395			739,214			761,395			745,299			734,710			737,640			739,214
Total deposits	662,867			643,529			662,867			647,018			641,211			640,801			643,529

(1)Return on average allocated capital is calculated as net income, adjusted for cost of funds and earnings credits and certain expenses related to intangibles, divided by average allocated capital. Other companies may define or calculate these measures differently.

(2)Total earning assets and total assets include asset allocations to match liabilities (i.e., deposits) and allocated shareholders’ equity.


Current-period information is preliminary and based on company data available at the time of the presentation.			18


Bank of America Corporation and Subsidiaries
Global Banking Key Indicators
(Dollars in millions)
	Six Months Ended June 30						Second Quarter 2026			First Quarter 2026			Fourth Quarter 2025			Third Quarter 2025			Second Quarter 2025
	2026			2025
Investment Banking fees (1)
Advisory (2)	$	1,014		$	630		$	517		$	497		$	541		$	536		$	291
Debt issuance	837			755			417			420			321			472			346
Equity issuance	350			229			220			130			111			147			130
Total Investment Banking fees (3)	$	2,201		$	1,614		$	1,154		$	1,047		$	973		$	1,155		$	767

Business Lending
Corporate	$	1,985		$	1,955		$	893		$	1,092		$	1,031		$	1,045		$	1,006
Commercial	2,255			2,250			1,118			1,137			1,181			1,135			1,141
Business Banking	98			109			50			48			51			56			55
Total Business Lending revenue	$	4,338		$	4,314		$	2,061		$	2,277		$	2,263		$	2,236		$	2,202

Global Transaction Services
Corporate	$	2,805		$	2,558		$	1,399		$	1,406		$	1,415		$	1,326		$	1,270
Commercial	2,213			2,050			1,118			1,095			1,131			1,043			1,018
Business Banking	787			721			403			384			397			370			361
Total Global Transaction Services revenue	$	5,805		$	5,329		$	2,920		$	2,885		$	2,943		$	2,739		$	2,649

Average deposit balances
Interest-bearing	$	496,005		$	438,121		$	498,484		$	493,498		$	502,455		$	483,285		$	453,768
Noninterest-bearing	153,732			151,254			153,383			154,085			153,665			148,275			149,642
Total average deposits	$	649,737		$	589,375		$	651,867		$	647,583		$	656,120		$	631,560		$	603,410



Provision for credit losses	$	400		$	431		$	215		$	185		$	243		$	269		$	277

Credit quality (4, 5)
Reservable criticized utilized exposure	$	18,639		$	24,298		$	18,639		$	20,576		$	21,010		$	22,637		$	24,298
	4.27		%	5.90		%	4.27		%	4.79		%	5.11		%	5.55		%	5.90		%

Nonperforming loans, leases and foreclosed properties	$	2,577		$	3,114		$	2,577		$	2,550		$	2,620		$	2,395		$	3,114
	0.63		%	0.80		%	0.63		%	0.63		%	0.68		%	0.62		%	0.80		%

Average loans and leases by product
U.S. commercial	$	255,209		$	238,993		$	260,750		$	249,606		$	242,890		$	244,131		$	242,431
Non-U.S. commercial	82,875			79,414			84,824			80,905			78,363			79,811			80,672
Commercial real estate	50,814			48,667			51,696			49,922			48,313			48,256			48,397
Commercial lease financing	16,324			16,250			16,094			16,555			16,752			16,282			16,364
Other	—			—			—			—			1			2			—
Total average loans and leases	$	405,222		$	383,324		$	413,364		$	396,988		$	386,319		$	388,482		$	387,864

Total Corporation Investment Banking fees
Advisory (2)	$	1,111		$	717		$	558		$	553		$	590		$	583		$	333
Debt issuance	2,099			1,779			1,113			986			810			1,109			837
Equity issuance	888			600			535			353			297			362			328
Total investment banking fees including self-led deals	4,098			3,096			2,206			1,892			1,697			2,054			1,498
Self-led deals	(119)			(145)			(68)			(51)			(31)			(41)			(70)
Total Investment Banking fees	$	3,979		$	2,951		$	2,138		$	1,841		$	1,666		$	2,013		$	1,428

(1)Investment banking fees represent total investment banking fees for Global Banking inclusive of self-led deals and fees included within Business Lending.

(2)Advisory includes fees on debt and equity advisory and mergers and acquisitions.

(3)Investment banking fees represent only the fee component in Global Banking and do not include certain other items shared with the Investment Banking Group under internal revenue sharing agreements.

(4)Criticized exposure corresponds to the Special Mention, Substandard and Doubtful asset categories defined by regulatory authorities. The reservable criticized exposure is on an end-of-period basis and is also shown as a percentage of total commercial reservable utilized exposure, including loans and leases, standby letters of credit, financial guarantees, commercial letters of credit and bankers’ acceptances.

(5)Nonperforming loans, leases and foreclosed properties are on an end-of-period basis. The nonperforming ratio is calculated as nonperforming assets divided by loans, leases and foreclosed properties.


Current-period information is preliminary and based on company data available at the time of the presentation.			19


Bank of America Corporation and Subsidiaries
Global Markets Segment Results
(Dollars in millions)
	Six Months Ended June 30						Second Quarter 2026			First Quarter 2026			Fourth Quarter 2025			Third Quarter 2025			Second Quarter 2025
	2026			2025
Net interest income	$	3,772		$	2,456		$	1,911		$	1,861		$	1,750		$	1,484		$	1,267
Noninterest income:
Investment and brokerage services	1,489			1,269			729			760			628			614			642
Investment banking fees	1,727			1,347			965			762			656			834			666
Market making and similar activities	8,143			6,922			4,422			3,721			2,001			3,141			3,300
All other income	—			573			(5)			5			269			152			107
Total noninterest income	11,359			10,111			6,111			5,248			3,554			4,741			4,715
Total revenue, net of interest expense (1)	15,131			12,567			8,022			7,109			5,304			6,225			5,982

Provision for credit losses	16			50			(11)			27			12			9			22

Noninterest expense	8,854			7,617			4,484			4,370			3,906			3,895			3,806
Income before income taxes	6,261			4,900			3,549			2,712			1,386			2,321			2,154
Income tax expense	1,628			1,421			923			705			402			673			625
Net income	$	4,633		$	3,479		$	2,626		$	2,007		$	984		$	1,648		$	1,529

Efficiency ratio	58.52		%	60.61		%	55.90		%	61.47		%	73.64		%	62.58		%	63.61		%

Return on average allocated capital (2)	17			14			20			15			8			13			13

Balance Sheet
Average
Total trading-related assets	$	738,503		$	684,414		$	746,938		$	729,973		$	666,609		$	676,621		$	700,413
Total loans and leases	203,126			168,043			204,994			201,237			197,822			190,994			176,368
Total earning assets	880,124			796,875			885,914			874,270			820,324			813,197			825,835
Total assets	1,111,115			996,267			1,120,548			1,101,576			1,026,282			1,024,300			1,022,955
Total deposits	38,936			38,423			38,129			39,752			37,875			37,588			38,040
Allocated capital (2)	53,500			49,000			53,500			53,500			49,000			49,000			49,000


Period end
Total trading-related assets	$	733,475		$	670,649		$	733,475		$	727,035		$	670,949		$	638,176		$	670,649
Total loans and leases	198,678			187,357			198,678			205,941			202,733			196,759			187,357
Total earning assets	873,890			806,289			873,890			866,402			814,196			793,246			806,289
Total assets	1,106,764			1,017,594			1,106,764			1,091,745			1,032,858			997,908			1,017,594
Total deposits	38,146			38,232			38,146			38,012			40,614			36,883			38,232

Trading-related assets (average)
Trading account securities	$	379,481		$	345,273		$	371,536		$	387,514		$	357,802		$	361,610		$	343,971
Reverse repurchases	162,604			156,405			168,093			157,053			132,317			138,908			169,064
Securities borrowed	150,113			141,872			159,969			140,148			135,904			135,615			146,889
Derivative assets	46,305			40,864			47,340			45,258			40,586			40,488			40,489
Total trading-related assets	$	738,503		$	684,414		$	746,938		$	729,973		$	666,609		$	676,621		$	700,413

(1)Substantially all of Global Markets total revenue is sales and trading revenue and investment banking fees, with a small portion related to certain revenue sharing agreements with other business segments. For additional sales and trading revenue information, see page 21.

(2)Return on average allocated capital is calculated as net income, adjusted for cost of funds and earnings credits and certain expenses related to intangibles, divided by average allocated capital. Other companies may define or calculate these measures differently.


Current-period information is preliminary and based on company data available at the time of the presentation.			20


Bank of America Corporation and Subsidiaries
Global Markets Key Indicators
(Dollars in millions)
	Six Months Ended June 30				Second Quarter 2026		First Quarter 2026		Fourth Quarter 2025		Third Quarter 2025		Second Quarter 2025
	2026		2025
Sales and trading revenue (1)
Fixed-income, currencies and commodities	$	7,021	$	6,674	$	3,476	$	3,545	$	2,501	$	3,092	$	3,195
Equities	6,464		4,319		3,622		2,842		2,015		2,270		2,133
Total sales and trading revenue	$	13,485	$	10,993	$	7,098	$	6,387	$	4,516	$	5,362	$	5,328

Sales and trading revenue, excluding net debit valuation adjustment (2,3)
Fixed-income, currencies and commodities	$	7,032	$	6,713	$	3,536	$	3,496	$	2,517	$	3,078	$	3,249
Equities	6,447		4,312		3,619		2,828		2,016		2,270		2,130
Total sales and trading revenue, excluding net debit valuation adjustment	$	13,479	$	11,025	$	7,155	$	6,324	$	4,533	$	5,348	$	5,379

Sales and trading revenue breakdown
Net interest income	$	3,457	$	2,153	$	1,765	$	1,692	$	1,612	$	1,340	$	1,119
Commissions	1,488		1,268		728		760		628		614		642
Trading	8,142		6,921		4,421		3,721		2,001		3,140		3,299
Other	398		651		184		214		275		268		268
Total sales and trading revenue	$	13,485	$	10,993	$	7,098	$	6,387	$	4,516	$	5,362	$	5,328

(1) Includes Global Banking sales and trading revenue of $469 million and $175 million for the six months ended June 30, 2026 and 2025, $227 million and $242 million for the second and first quarters of 2026, and $183 million, $172 million and $212 million for the fourth, third and second quarters of 2025, respectively.

(2) For this presentation, sales and trading revenue excludes net debit valuation adjustment (DVA) gains (losses), which include net DVA on derivatives, as well as amortization of own credit portion of purchase discount and realized DVA on structured liabilities. Sales and trading revenue excluding net DVA gains (losses) represents a non-GAAP financial measure. We believe the use of this non-GAAP financial measure provides additional useful information to assess the underlying performance of these businesses and to allow better comparison of period-to-period operating performance.

(3)Net DVA gains (losses) were $6 million and $(32) million for the six months ended June 30, 2026 and 2025, $(57) million and $63 million for the second and first quarters of 2026, and $(17) million, $14 million and $(51) million for the fourth, third and second quarters of 2025, respectively. FICC net DVA gains (losses) were $(11) million and $(39) million for the six months ended June 30, 2026 and 2025, $(60) million and $49 million for the second and first quarters of 2026, and $(16) million, $14 million and $(54) million for the fourth, third, and second quarters of 2025, respectively. Equities net DVA gains (losses) were $17 million and $7 million for the six months ended June 30, 2026 and 2025, $3 million and $14 million for the second and first quarters of 2026, and $(1) million, $0 and $3 million for the fourth, third and second quarters of 2025, respectively.


Current-period information is preliminary and based on company data available at the time of the presentation.			21


Bank of America Corporation and Subsidiaries
All Other Results (1)
(Dollars in millions)
	Six Months Ended June 30				Second Quarter 2026		First Quarter 2026		Fourth Quarter 2025		Third Quarter 2025		Second Quarter 2025
	2026		2025
Net interest income	$	(82)	$	(43)	$	(43)	$	(39)	$	(33)	$	(26)	$	(21)





Noninterest income (loss)	(1,385)		(1,484)		(701)		(684)		(796)		(672)		(812)
Total revenue, net of interest expense	(1,467)		(1,527)		(744)		(723)		(829)		(698)		(833)

Provision for credit losses	(18)		(17)		(9)		(9)		(10)		4		(9)



Noninterest expense	330		437		167		163		(63)		201		147
Loss before income taxes	(1,779)		(1,947)		(902)		(877)		(756)		(903)		(971)
Income tax expense (benefit)	(1,588)		(1,872)		(610)		(978)		(624)		(800)		(948)
Net income (loss)	$	(191)	$	(75)	$	(292)	$	101	$	(132)	$	(103)	$	(23)

Balance Sheet
Average
Total loans and leases	$	6,917	$	7,857	$	6,848	$	6,989	$	7,108	$	7,739	$	7,702
Total assets (2)	289,787		347,970		286,672		292,937		294,281		328,928		349,999
Total deposits	93,310		106,925		94,404		92,207		93,678		98,338		103,500

Period end
Total loans and leases	$	7,396	$	6,958	$	7,396	$	6,846	$	6,795	$	7,422	$	6,958

Total assets (3)	264,079		325,763		264,079		264,013		269,329		309,170		325,763
Total deposits	92,761		99,701		92,761		91,608		90,785		96,493		99,701

(1)All Other primarily consists of asset and liability management (ALM) activities, liquidating businesses and certain expenses not otherwise allocated to a business segment. ALM activities encompass interest rate and foreign currency risk management activities for which substantially all of the results are allocated to our business segments.

(2)Includes elimination of segments’ excess asset allocations to match liabilities (i.e., deposits) and allocated shareholders’ equity of $993.4 billion and $979.1 billion for the six months ended June 30, 2026 and 2025, and $984.1 billion, $1.0 trillion, $1.0 trillion, $994.4 billion and $981.6 billion for the second and first quarters of 2026, and the fourth, third and second quarters of 2025, respectively.

(3)Includes elimination of segments’ excess asset allocations to match liabilities (i.e., deposits) and allocated shareholders’ equity of $982.1 billion for the second quarter of 2026 and $1.0 trillion for the first quarter of 2026 and the fourth, third and second quarters of 2025.


Current-period information is preliminary and based on company data available at the time of the presentation.			22


Bank of America Corporation and Subsidiaries
Outstanding Loans and Leases
(Dollars in millions)
	June 30 2026		March 31 2026		June 30 2025
Consumer
Residential mortgage	$	236,316	$	236,176	$	235,313
Home equity	27,114		26,762		26,142
Credit card	105,659		102,833		101,209
Direct/Indirect consumer (1)	118,327		113,954		109,730
Other consumer (2)	182		153		165
Total consumer loans excluding loans accounted for under the fair value option	487,598		479,878		472,559
Consumer loans accounted for under the fair value option (3)	159		158		214
Total consumer	487,757		480,036		472,773

Commercial
U.S. commercial	456,632		451,951		415,423
Non-U.S. commercial	159,894		160,722		148,675
Commercial real estate (4)	71,097		69,615		65,676
Commercial lease financing	15,402		15,945		15,752
	703,025		698,233		645,526
U.S. small business commercial	23,637		23,167		22,108
Total commercial loans excluding loans accounted for under the fair value option	726,662		721,400		667,634
Commercial loans accounted for under the fair value option (3)	3,200		3,599		6,649
Total commercial	729,862		724,999		674,283

Total loans and leases	$	1,217,619	$	1,205,035	$	1,147,056

(1)Includes primarily auto and specialty lending loans and leases of $52.4 billion, $53.9 billion and $54.8 billion, U.S. securities-based lending loans of $61.9 billion, $56.2 billion and $51.2 billion and non-U.S. consumer loans of $3.2 billion, $3.1 billion and $2.9 billion at June 30, 2026, March 31, 2026 and June 30, 2025, respectively.

(2)Substantially all of other consumer is consumer overdrafts.

(3)Consumer loans accounted for under the fair value option includes residential mortgage loans of $55 million, $56 million and $58 million and home equity loans of $104 million, $102 million and $156 million at June 30, 2026, March 31, 2026 and June 30, 2025, respectively. Commercial loans accounted for under the fair value option includes U.S. commercial loans of $2.2 billion, $2.5 billion and $2.5 billion and non-U.S. commercial loans of $1.0 billion, $1.1 billion and $4.1 billion at June 30, 2026, March 31, 2026 and June 30, 2025, respectively.

(4)Includes U.S. commercial real estate loans of $65.9 billion, $64.2 billion and $59.7 billion and non-U.S. commercial real estate loans of $5.2 billion, $5.5 billion and $6.0 billion at June 30, 2026, March 31, 2026 and June 30, 2025, respectively.


Current-period information is preliminary and based on company data available at the time of the presentation.			23


Bank of America Corporation and Subsidiaries
Quarterly Average Loans and Leases by Business Segment and All Other
(Dollars in millions)
	Second Quarter 2026
	Total Corporation		Consumer Banking		GWIM		Global Banking		Global Markets		All Other
Consumer
Residential mortgage	$	236,187	$	115,760	$	111,950	$	—	$	3,050	$	5,427
Home equity	27,099		23,043		2,970		—		94		992
Credit card	103,640		100,005		3,635		—		—		—
Direct/Indirect and other consumer	116,455		53,442		63,010		—		—		3
Total consumer	483,381		292,250		181,565		—		3,144		6,422

Commercial
U.S. commercial	482,510		28,783		78,795		260,750		114,038		144
Non-U.S. commercial	164,502		—		675		84,824		78,491		512
Commercial real estate	70,280		23		9,222		51,696		9,321		18
Commercial lease financing	15,846		—		—		16,094		—		(248)
Total commercial	733,138		28,806		88,692		413,364		201,850		426
Total loans and leases	$	1,216,519	$	321,056	$	270,257	$	413,364	$	204,994	$	6,848

	First Quarter 2026
	Total Corporation		Consumer Banking		GWIM		Global Banking		Global Markets		All Other
Consumer
Residential mortgage	$	236,089	$	116,294	$	111,042	$	—	$	3,171	$	5,582
Home equity	26,884		22,837		2,912		—		97		1,038
Credit card	103,087		99,554		3,533		—		—		—
Direct/Indirect and other consumer	114,167		54,862		59,302		—		—		3
Total consumer	480,227		293,547		176,789		—		3,268		6,623

Commercial
U.S. commercial	466,097		28,593		75,618		249,606		112,145		135
Non-U.S. commercial	158,080		—		666		80,905		76,036		473
Commercial real estate	68,829		24		9,077		49,922		9,788		18
Commercial lease financing	16,295		—		—		16,555		—		(260)
Total commercial	709,301		28,617		85,361		396,988		197,969		366
Total loans and leases	$	1,189,528	$	322,164	$	262,150	$	396,988	$	201,237	$	6,989

	Second Quarter 2025
	Total Corporation		Consumer Banking		GWIM		Global Banking		Global Markets		All Other
Consumer
Residential mortgage	$	235,130	$	117,551	$	108,006	$	—	$	3,532	$	6,041
Home equity	26,190		22,173		2,698		—		149		1,170
Credit card	100,013		96,543		3,470		—		—		—
Direct/Indirect and other consumer	108,955		55,002		53,950		—		—		3
Total consumer	470,288		291,269		168,124		—		3,681		7,214

Commercial
U.S. commercial	427,194		27,850		60,531		242,431		96,262		120
Non-U.S. commercial	149,044		—		726		80,672		67,012		634
Commercial real estate	65,847		23		7,996		48,397		9,413		18
Commercial lease financing	16,080		—		—		16,364		—		(284)
Total commercial	658,165		27,873		69,253		387,864		172,687		488
Total loans and leases	$	1,128,453	$	319,142	$	237,377	$	387,864	$	176,368	$	7,702


Current-period information is preliminary and based on company data available at the time of the presentation.			24


Bank of America Corporation and Subsidiaries
Commercial Credit Exposure by Industry (1, 2, 3, 4)
(Dollars in millions)
	Commercial Utilized						Total Commercial Committed
	June 30 2026		March 31 2026		June 30 2025		June 30 2026		March 31 2026		June 30 2025
Asset managers and funds	$	158,737	$	157,305	$	133,225	$	244,645	$	242,756	$	210,455
Finance companies	92,461		95,327		87,100		129,861		130,766		119,835
Capital goods	56,536		57,647		55,105		119,644		112,724		104,108
Real estate(5)	70,197		70,282		69,699		99,742		97,921		96,793
Healthcare equipment and services	39,552		36,833		36,898		74,237		72,982		66,644
Individuals and trusts	51,250		45,685		36,754		66,984		60,264		50,167
Materials	30,374		30,743		29,640		61,528		62,554		62,004
Retailing	26,404		27,372		26,763		56,795		54,295		54,041
Consumer services	29,019		30,043		29,936		56,212		55,913		55,174
Food, beverage and tobacco	24,802		24,922		25,149		53,498		49,940		50,436
Government and public education	34,112		35,316		32,747		50,651		52,863		50,402
Commercial services and supplies	27,640		25,013		24,953		49,700		45,869		45,806
Utilities	20,560		19,604		19,280		46,788		44,913		43,748
Energy	14,425		15,544		13,771		40,347		42,721		35,790
Transportation	25,826		24,512		24,424		38,852		37,832		35,831
Media	12,303		13,868		11,343		35,445		46,086		23,854
Technology hardware and equipment	14,155		12,767		10,638		35,373		31,820		31,429
Software and services	16,308		17,555		11,326		33,089		34,947		30,458
Global commercial banks	24,268		24,815		23,509		27,074		27,790		27,339
Pharmaceuticals and biotechnology	8,397		7,359		7,301		26,820		24,615		22,150
Insurance	12,432		12,156		11,055		25,075		23,995		23,077
Vehicle dealers	19,833		19,414		18,618		25,049		25,081		24,496
Consumer durables and apparel	9,838		9,642		10,244		21,888		21,722		22,264
Telecommunication services	6,784		6,946		7,049		17,141		15,896		16,312
Automobiles and components	7,348		7,772		8,109		16,291		16,257		17,355
Food and staples retailing	5,936		5,872		6,645		11,703		11,157		12,488
Financial markets infrastructure (clearinghouses)	5,013		6,561		6,355		8,368		8,784		9,431
Religious and social organizations	2,301		2,258		2,368		4,247		4,302		4,057

Total commercial credit exposure by industry	$	846,811	$	843,133	$	780,004	$	1,477,047	$	1,456,765	$	1,345,944

(1)Includes loans and leases, standby letters of credit and financial guarantees, derivative assets, assets held-for-sale, commercial letters of credit, bankers’ acceptances, securitized assets, foreclosed properties and other collateral acquired. Derivative assets are carried at fair value, reflect the effects of legally enforceable master netting agreements and have been reduced by cash collateral of $84.0 billion, $71.8 billion and $61.6 billion at June 30, 2026, March 31, 2026 and June 30, 2025, respectively. Not reflected in utilized and committed exposure is additional non-cash derivative collateral held of $34.0 billion, $30.8 billion and $29.3 billion, which consists primarily of other marketable securities, at June 30, 2026, March 31, 2026 and June 30, 2025, respectively.

(2)Total utilized and total committed exposure includes loans of $3.2 billion, $3.6 billion and $6.6 billion and issued letters of credit with a notional amount of $64 million, $63 million and $53 million accounted for under the fair value option at June 30, 2026, March 31, 2026 and June 30, 2025, respectively. In addition, total committed exposure includes unfunded loan commitments accounted for under the fair value option with a notional amount of $3.2 billion, $2.4 billion and $2.2 billion at June 30, 2026, March 31, 2026 and June 30, 2025, respectively.

(3)Includes U.S. small business commercial exposure.

(4)Includes the notional amount of unfunded legally binding lending commitments net of amounts distributed (e.g., syndicated or participated) to other financial institutions.

(5)Industries are viewed from a variety of perspectives to best isolate the perceived risks. For purposes of this table, the real estate industry is defined based on the primary business activity of the borrowers or the counterparties using operating cash flows and primary source of repayment as key factors.


Current-period information is preliminary and based on company data available at the time of the presentation.			25


Bank of America Corporation and Subsidiaries
Nonperforming Loans, Leases and Foreclosed Properties
(Dollars in millions)
	June 30 2026			March 31 2026			December 31 2025			September 30 2025			June 30 2025
Residential mortgage	$	2,049		$	2,103		$	2,008		$	1,972		$	2,008
Home equity	371			391			392			386			393
Direct/Indirect consumer	170			186			176			173			163
Total consumer	2,590			2,680			2,576			2,531			2,564
U.S. commercial	1,674			1,488			1,404			1,131			1,277
Non-U.S. commercial	312			334			80			107			102
Commercial real estate	1,068			1,191			1,596			1,470			1,964
Commercial lease financing	62			85			97			59			35
	3,116			3,098			3,177			2,767			3,378
U.S. small business commercial	45			53			51			49			39
Total commercial	3,161			3,151			3,228			2,816			3,417
Total nonperforming loans and leases	5,751			5,831			5,804			5,347			5,981
Foreclosed properties	119			102			101			123			123
Total nonperforming loans, leases, and foreclosed properties (1, 2)	$	5,870		$	5,933		$	5,905		$	5,470		$	6,104

Fully-insured home loans past due 30 days or more and still accruing	$	420		$	458		$	450		$	439		$	419
Consumer credit card past due 30 days or more and still accruing	2,352			2,512			2,604			2,464			2,388
Other loans past due 30 days or more and still accruing	3,220			4,248			3,834			3,637			3,240
Total loans past due 30 days or more and still accruing (3, 4)	$	5,992		$	7,218		$	6,888		$	6,540		$	6,047

Fully-insured home loans past due 90 days or more and still accruing	$	219		$	240		$	207		$	201		$	196
Consumer credit card past due 90 days or more and still accruing	1,241			1,341			1,351			1,260			1,257
Other loans past due 90 days or more and still accruing	402			436			563			637			298
Total loans past due 90 days or more and still accruing (4)	$	1,862		$	2,017		$	2,121		$	2,098		$	1,751

Nonperforming loans, leases and foreclosed properties/Total assets (5)	0.17		%	0.17		%	0.17		%	0.16		%	0.18		%
Nonperforming loans, leases and foreclosed properties/Total loans, leases and foreclosed properties (5)	0.48			0.49			0.50			0.47			0.54
Nonperforming loans and leases/Total loans and leases (5)	0.47			0.49			0.49			0.46			0.52
Commercial reservable criticized utilized exposure (6)	$	22,074		$	24,339		$	24,748		$	26,332		$	27,904
Commercial reservable criticized utilized exposure/Commercial reservable utilized exposure (5)	2.89		%	3.21		%	3.37		%	3.67		%	3.98		%
Total commercial criticized utilized exposure/Commercial utilized exposure (6)	2.90			3.20			3.36			3.62			3.88

(1)Balances do not include past due consumer credit card, consumer loans secured by real estate where repayments are insured by the FHA and individually insured long-term stand-by agreements (fully-insured home loans), and in general, other consumer and commercial loans not secured by real estate.

(2)Balances do not include nonperforming loans held-for-sale of $358 million, $500 million, $517 million, $521 million and $481 million at June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025 and June 30, 2025, respectively.

(3)Balances do not include loans held-for-sale past due 30 days or more and still accruing of $16 million, $4 million, $9 million, $49 million and $27 million at June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025 and June 30, 2025, respectively.

(4)These balances are excluded from total nonperforming loans, leases and foreclosed properties.

(5)Total assets and total loans and leases do not include loans accounted for under the fair value option of $3.4 billion, $3.8 billion, $3.5 billion, $6.7 billion and $6.9 billion at June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025 and June 30, 2025, respectively.

(6)Criticized exposure corresponds to the Special Mention, Substandard and Doubtful asset categories defined by regulatory authorities. The reservable criticized exposure excludes loans held-for-sale, exposure accounted for under the fair value option and other nonreservable exposure.


Current-period information is preliminary and based on company data available at the time of the presentation.			26


Bank of America Corporation and Subsidiaries
Nonperforming Loans, Leases and Foreclosed Properties Activity (1)
(Dollars in millions)
	Second Quarter 2026		First Quarter 2026		Fourth Quarter 2025		Third Quarter 2025		Second Quarter 2025
Nonperforming Consumer Loans and Leases:
Balance, beginning of period	$	2,680	$	2,576	$	2,531	$	2,564	$	2,613

Additions	305		395		294		253		264


Reductions:
Paydowns and payoffs	(135)		(118)		(103)		(137)		(132)
Sales	(87)		—		—		(1)		(1)
Returns to performing status (2)	(156)		(150)		(131)		(136)		(157)
Charge-offs (3)	(12)		(15)		(10)		(5)		(13)
Transfers to foreclosed properties	(5)		(8)		(5)		(7)		(10)

Total net additions (reductions) to nonperforming loans and leases	(90)		104		45		(33)		(49)
Total nonperforming consumer loans and leases, end of period	2,590		2,680		2,576		2,531		2,564
Foreclosed properties	97		92		90		97		94
Nonperforming consumer loans, leases and foreclosed properties, end of period	$	2,687	$	2,772	$	2,666	$	2,628	$	2,658

Nonperforming Commercial Loans and Leases (4):
Balance, beginning of period	$	3,151	$	3,228	$	2,816	$	3,417	$	3,470

Additions	680		665		883		550		1,105
Reductions:
Paydowns	(205)		(278)		(259)		(834)		(484)
Sales	(126)		(225)		(30)		(19)		(107)
Returns to performing status (5)	(71)		(2)		(5)		(12)		(219)
Charge-offs	(254)		(237)		(177)		(286)		(348)
Transfers to foreclosed properties	(14)		—		—		—		—

Total net additions (reductions) to nonperforming loans and leases	10		(77)		412		(601)		(53)
Total nonperforming commercial loans and leases, end of period	3,161		3,151		3,228		2,816		3,417
Foreclosed properties	22		10		11		26		29
Nonperforming commercial loans, leases and foreclosed properties, end of period	$	3,183	$	3,161	$	3,239	$	2,842	$	3,446

(1)For amounts excluded from nonperforming loans, leases and foreclosed properties, see footnotes to Nonperforming Loans, Leases and Foreclosed Properties table on page 26.

(2)Consumer loans and leases may be returned to performing status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected, or when the loan otherwise becomes well-secured and is in the process of collection.

(3)Our policy is not to classify consumer credit card and non-bankruptcy related consumer loans not secured by real estate as nonperforming; therefore, the charge-offs on these loans have no impact on nonperforming activity and, accordingly, are excluded from this table.

(4)Includes U.S. small business commercial activity. Small business card loans are excluded as they are not classified as nonperforming.

(5)Commercial loans and leases may be returned to performing status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected, or when the loan otherwise becomes well-secured and is in the process of collection.


Current-period information is preliminary and based on company data available at the time of the presentation.			27


Bank of America Corporation and Subsidiaries
Quarterly Net Charge-offs and Net Charge-off Ratios (1)
(Dollars in millions)
	Second Quarter 2026				First Quarter 2026				Fourth Quarter 2025				Third Quarter 2025				Second Quarter 2025
	Amount		Percent		Amount		Percent		Amount		Percent		Amount		Percent		Amount		Percent
Net Charge-offs
Residential mortgage	$	1	—	%	$	5	0.01	%	$	(2)	—	%	$	(1)	—	%	$	2	—	%
Home equity	(6)		(0.09)		(7)		(0.09)		(8)		(0.12)		(11)		(0.17)		(10)		(0.15)
Credit card	919		3.55		924		3.64		882		3.40		880		3.46		954		3.82

Direct/Indirect consumer	56		0.19		74		0.26		63		0.22		55		0.20		47		0.17
Other consumer	70		n/m		63		n/m		57		n/m		55		n/m		66		n/m
Total consumer	1,040		0.86		1,059		0.89		992		0.82		978		0.82		1,059		0.90
U.S. commercial	180		0.16		132		0.12		92		0.09		135		0.13		129		0.13
Non-U.S. commercial	53		0.13		7		0.02		24		0.06		—		—		—		—
Total commercial and industrial	233		0.15		139		0.09		116		0.08		135		0.09		129		0.09
Commercial real estate	2		0.01		56		0.33		46		0.27		120		0.72		202		1.24
Commercial lease financing	—		—		12		0.30		3		0.07		—		—		1		0.02
	235		0.13		207		0.12		165		0.10		255		0.16		332		0.21
U.S. small business commercial	137		2.35		143		2.55		130		2.29		134		2.41		134		2.48
Total commercial	372		0.20		350		0.20		295		0.17		389		0.23		466		0.29
Total net charge-offs	$	1,412	0.47		$	1,409	0.48		$	1,287	0.44		$	1,367	0.47		$	1,525	0.55

By Business Segment and All Other
Consumer Banking	$	1,183	1.48	%	$	1,208	1.52	%	$	1,133	1.39	%	$	1,122	1.39	%	$	1,200	1.51	%
Global Wealth & Investment Management	9		0.01		13		0.02		5		0.01		8		0.01		10		0.02
Global Banking	231		0.23		164		0.17		160		0.17		250		0.26		303		0.32
Global Markets	—		—		33		0.07		—		—		(1)		—		25		0.06
All Other	(11)		(0.61)		(9)		(0.58)		(11)		(0.63)		(12)		(0.61)		(13)		(0.68)
Total net charge-offs	$	1,412	0.47		$	1,409	0.48		$	1,287	0.44		$	1,367	0.47		$	1,525	0.55

(1)Net charge-off ratios are calculated as annualized net charge-offs divided by average outstanding loans and leases excluding loans accounted for under the fair value option during the period for each loan and lease category.

n/m = not meaningful


Current-period information is preliminary and based on company data available at the time of the presentation.			28


Bank of America Corporation and Subsidiaries
Year-to-Date Net Charge-offs and Net Charge-off Ratios (1)
(Dollars in millions)
	Six Months Ended June 30
	2026				2025
	Amount		Percent		Amount		Percent
Net Charge-offs
Residential mortgage	$	6	—	%	$	2	—	%
Home equity	(13)		(0.09)		(22)		(0.17)
Credit card	1,843		3.59		1,955		3.94

Direct/Indirect consumer	130		0.23		117		0.22
Other consumer	133		n/m		126		n/m
Total consumer	2,099		0.88		2,178		0.94
U.S. commercial	312		0.14		199		0.10
Non-U.S. commercial	60		0.08		7		0.01
Total commercial and industrial	372		0.12		206		0.08
Commercial real estate	58		0.17		325		1.00
Commercial lease financing	12		0.14		1		0.01
	442		0.13		532		0.17
U.S. small business commercial	280		2.45		267		2.52
Total commercial	722		0.20		799		0.25
Total net charge-offs	$	2,821	0.47		$	2,977	0.54

By Business Segment and All Other
Consumer Banking	$	2,391	1.50	%	$	2,462	1.57	%
Global Wealth & Investment Management	22		0.02		19		0.02
Global Banking	395		0.20		490		0.26
Global Markets	33		0.03		31		0.04
All Other	(20)		(0.59)		(25)		(0.65)
Total net charge-offs	$	2,821	0.47		$	2,977	0.54

(1)Net charge-off ratios are calculated as net charge-offs divided by average outstanding loans and leases excluding loans accounted for under the fair value option during the period for each loan and lease category.

n/m = not meaningful


Current-period information is preliminary and based on company data available at the time of the presentation.			29


Bank of America Corporation and Subsidiaries
Allocation of the Allowance for Credit Losses by Product Type
(Dollars in millions)
	June 30, 2026		March 31, 2026			June 30, 2025
	Amount		Percent of Loans and Leases Outstanding (1)	Amount			Percent of Loans and Leases Outstanding (1)	Amount		Percent of Loans and Leases Outstanding (1)
Allowance for loan and lease losses
Residential mortgage	$	313	0.13%	$	303		0.13%	$	290	0.12%
Home equity	128		0.47	114			0.43	56		0.21
Credit card	7,060		6.68	7,095			6.90	7,456		7.37

Direct/Indirect consumer	681		0.58	705			0.62	712		0.65
Other consumer	64		n/m	54			n/m	64		n/m
Total consumer	8,246		1.69	8,271			1.72	8,578		1.82
U.S. commercial (2)	3,035		0.63	3,051			0.64	2,816		0.64
Non-U.S. commercial	868		0.54	837			0.52	773		0.52
Commercial real estate	908		1.28	939			1.35	1,082		1.65
Commercial lease financing	57		0.37	50			0.32	42		0.27
Total commercial	4,868		0.67	4,877			0.68	4,713		0.71
Allowance for loan and lease losses	13,114		1.08	13,148			1.09	13,291		1.17


Reserve for unfunded lending commitments	1,150			1,161				1,143
Allowance for credit losses	$	14,264		$	14,309			$	14,434

Asset Quality Indicators

Allowance for loan and lease losses/Total loans and leases (1)			1.08%				1.09%			1.17%

Allowance for loan and lease losses/Total nonperforming loans and leases			228				225			222

Ratio of the allowance for loan and lease losses/Annualized net charge-offs			2.32				2.30			2.17

(1)Ratios are calculated as allowance for loan and lease losses as a percentage of loans and leases outstanding excluding loans accounted for under the fair value option. For fair value option amounts, see Outstanding Loans and Leases and related footnotes on page 23.

(2)Includes allowance for loan and lease losses for U.S. small business commercial loans of $1.4 billion, $1.4 billion and $1.3 billion at June 30, 2026, March 31, 2026 and June 30, 2025, respectively.

n/m = not meaningful


Current-period information is preliminary and based on company data available at the time of the presentation.			30

Exhibit A: Non-GAAP Reconciliations

Bank of America Corporation and Subsidiaries

Reconciliations to GAAP Financial Measures

(Dollars in millions, except per share information)

The Corporation evaluates its business using certain non-GAAP financial measures, including pretax, pre-provision income and ratios that utilize tangible equity and tangible assets, each of which is a non-GAAP financial measure. Tangible equity represents shareholders’ equity or common shareholders’ equity reduced by goodwill and intangible assets (excluding mortgage servicing rights), net of related deferred tax liabilities ("adjusted" shareholders' equity or common shareholders’ equity). Return on average tangible common shareholders’ equity measures the Corporation’s net income applicable to common shareholders as a percentage of adjusted average common shareholders’ equity. The tangible common equity ratio represents adjusted ending common shareholders’ equity divided by total tangible assets (total assets less goodwill and intangible assets (excluding mortgage servicing rights), net of related deferred tax liabilities). Return on average tangible shareholders’ equity measures the Corporation’s net income as a percentage of adjusted average total shareholders’ equity. The tangible equity ratio represents adjusted ending shareholders’ equity divided by total tangible assets. Tangible book value per common share represents adjusted ending common shareholders’ equity divided by ending common shares outstanding. These measures are used to evaluate the Corporation’s use of equity. In addition, profitability, relationship and investment models all use return on average tangible shareholders’ equity as key measures to support our overall growth goals.

See the tables below for reconciliations of these non-GAAP financial measures to the most directly comparable financial measures defined by GAAP for the six months ended June 30, 2026 and 2025 and the three months ended June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025 and June 30, 2025. The Corporation believes the use of these non-GAAP financial measures provides additional clarity in understanding its results of operations and trends. Other companies may define or calculate these non-GAAP financial measures differently.


	Six Months Ended June 30				Second Quarter 2026		First Quarter 2026		Fourth Quarter 2025		Third Quarter 2025		Second Quarter 2025
	2026		2025





























Reconciliation of income before income taxes to pretax, pre-provision income
Income before income taxes	$	21,969	$	17,665	$	11,565	$	10,404	$	9,622	$	10,408	$	8,668
Provision for credit losses	2,703		3,072		1,366		1,337		1,308		1,295		1,592
Pretax, pre-provision income	$	24,672	$	20,737	$	12,931	$	11,741	$	10,930	$	11,703	$	10,260

Reconciliation of average shareholders’ equity to average tangible shareholders’ equity and average tangible common shareholders’ equity
Shareholders’ equity	$	301,738	$	294,761	$	300,984	$	302,501	$	303,873	$	300,381	$	295,329
Goodwill	(69,021)		(69,021)		(69,021)		(69,021)		(69,021)		(69,021)		(69,021)
Intangible assets (excluding mortgage servicing rights)	(1,824)		(1,902)		(1,815)		(1,834)		(1,853)		(1,873)		(1,893)
Related deferred tax liabilities	823		848		820		825		827		839		846
Tangible shareholders’ equity	$	231,716	$	224,686	$	230,968	$	232,471	$	233,826	$	230,326	$	225,261
Preferred stock	(25,370)		(22,440)		(24,996)		(25,748)		(25,992)		(25,232)		(22,573)
Tangible common shareholders’ equity	$	206,346	$	202,246	$	205,972	$	206,723	$	207,834	$	205,094	$	202,688








Reconciliation of period-end shareholders’ equity to period-end tangible shareholders’ equity and period-end tangible common shareholders’ equity
Shareholders’ equity	$	301,094	$	298,021	$	301,094	$	300,668	$	303,243	$	302,437	$	298,021
Goodwill	(69,021)		(69,021)		(69,021)		(69,021)		(69,021)		(69,021)		(69,021)
Intangible assets (excluding mortgage servicing rights)	(1,803)		(1,880)		(1,803)		(1,821)		(1,841)		(1,860)		(1,880)
Related deferred tax liabilities	816		842		816		821		825		828		842
Tangible shareholders’ equity	$	231,086	$	227,962	$	231,086	$	230,647	$	233,206	$	232,384	$	227,962
Preferred stock	(24,996)		(23,495)		(24,996)		(24,996)		(25,992)		(25,992)		(23,495)
Tangible common shareholders’ equity	$	206,090	$	204,467	$	206,090	$	205,651	$	207,214	$	206,392	$	204,467

Reconciliation of period-end assets to period-end tangible assets
Assets	$	3,498,956	$	3,440,798	$	3,498,956	$	3,496,186	$	3,411,738	$	3,403,149	$	3,440,798
Goodwill	(69,021)		(69,021)		(69,021)		(69,021)		(69,021)		(69,021)		(69,021)
Intangible assets (excluding mortgage servicing rights)	(1,803)		(1,880)		(1,803)		(1,821)		(1,841)		(1,860)		(1,880)
Related deferred tax liabilities	816		842		816		821		825		828		842
Tangible assets	$	3,428,948	$	3,370,739	$	3,428,948	$	3,426,165	$	3,341,701	$	3,333,096	$	3,370,739

Book value per share of common stock
Common shareholders’ equity	$	276,098	$	274,526	$	276,098	$	275,672	$	277,251	$	276,445	$	274,526
Ending common shares issued and outstanding	7,018.0		7,436.7		7,018.0		7,129.9		7,212.5		7,329.4		7,436.7
Book value per share of common stock	$	39.34	$	36.92	$	39.34	$	38.66	$	38.44	$	37.72	$	36.92

Tangible book value per share of common stock
Tangible common shareholders’ equity	$	206,090	$	204,467	$	206,090	$	205,651	$	207,214	$	206,392	$	204,467
Ending common shares issued and outstanding	7,018.0		7,436.7		7,018.0		7,129.9		7,212.5		7,329.4		7,436.7
Tangible book value per share of common stock	$	29.37	$	27.49	$	29.37	$	28.84	$	28.73	$	28.16	$	27.49


Current-period information is preliminary and based on company data available at the time of the presentation.			31