BANK OF AMERICA CORP /DE/
For the period ended Dec 31, 2025. Filed Feb 25, 2026.
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FY2025 · Filed Feb 25, 2026
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Loan and Lease Contractual Maturities
Table 39 disaggregates total outstanding loans and leases by remaining scheduled principal due dates and interest rates. The amounts provided do not reflect prepayment assumptions or hedging activities related to the loan portfolio. For information on the asset sensitivity of our total banking book balance sheet, see Interest Rate Risk Management for the Banking Book on page 79.
| Table 39 · Loan and Lease Contractual Maturities (1) | |||||
|---|---|---|---|---|---|
| (Dollars in millions) | Due in OneYear or Less | Due After One Year Through Five Years | Due After Five Years Through 15 Years | Due After 15 Years | Total |
| Residential mortgage | $6,043 | $36,432 | $101,819 | $92,066 | $236,360 |
| Home equity | 574 | 627 | 1,822 | 23,907 | 26,930 |
| Credit card | 106,027 | — | — | — | 106,027 |
| Direct/Indirect consumer | 72,094 | 36,728 | 4,668 | 640 | 114,130 |
| Other consumer | 144 | — | — | — | 144 |
| Total consumer loans | 184,882 | 73,787 | 108,309 | 116,613 | 483,591 |
| U.S. commercial | 133,448 | 286,555 | 16,082 | 2,303 | 438,388 |
| Non-U.S. commercial | 51,894 | 64,501 | 35,703 | 4,134 | 156,232 |
| Commercial real estate | 27,454 | 39,702 | 1,573 | 19 | 68,748 |
| Commercial lease financing | 3,970 | 10,002 | 1,283 | 986 | 16,241 |
| U.S. small business commercial | 13,067 | 5,286 | 4,014 | 133 | 22,500 |
| Total commercial loans | 229,833 | 406,046 | 58,655 | 7,575 | 702,109 |
| Total loans and leases | $414,715 | $479,833 | $166,964 | $124,188 | $1,185,700 |
| Amount due in one year or less at: · Amount due after one year at: | |||||
| (Dollars in millions) | Variable Interest Rates | Fixed Interest Rates | Variable Interest Rates | Fixed Interest Rates | Total |
| Residential mortgage | $1,247 | $4,796 | $91,627 | $138,690 | $236,360 |
| Home equity | 98 | 476 | 24,083 | 2,273 | 26,930 |
| Credit card | 100,130 | 5,897 | — | — | 106,027 |
| Direct/Indirect consumer | 53,104 | 18,990 | 2,889 | 39,147 | 114,130 |
| Other consumer | 25 | 119 | — | — | 144 |
| Total consumer loans | 154,604 | 30,278 | 118,599 | 180,110 | 483,591 |
| U.S. commercial | 104,248 | 29,200 | 251,959 | 52,981 | 438,388 |
| Non-U.S. commercial | 40,483 | 11,411 | 98,512 | 5,826 | 156,232 |
| Commercial real estate | 25,065 | 2,389 | 39,859 | 1,435 | 68,748 |
| Commercial lease financing | 243 | 3,727 | 2,586 | 9,685 | 16,241 |
| U.S. small business commercial | 7,911 | 5,156 | 131 | 9,302 | 22,500 |
| Total commercial loans | 177,950 | 51,883 | 393,047 | 79,229 | 702,109 |
| Total loans and leases | $332,554 | $82,161 | $511,646 | $259,339 | $1,185,700 |
(1)Includes loans accounted for under the fair value option.
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