Consumer Banking — Noninterest expense
Business Segments · Noninterest expenseBank of America Consumer Banking — Noninterest expense increased by 2.8% to $5.73B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 1.7%, from $5.63B to $5.73B. Over 4 years (FY 2021 to FY 2025), Consumer Banking — Noninterest expense shows an upward trend with a 4.1% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityStable
First reportedQ1 2016
Last reportedQ4 2025
How to read this metric
A lower ratio relative to revenue indicates higher operational efficiency and better cost management.
Detailed definition
The aggregate of all operating costs incurred by the consumer banking segment, excluding interest expense. This includes...
Peer comparison
A standard metric for calculating the efficiency ratio across the banking industry.
Metric ID:
bac_segment_consumer_banking_noninterest_expenseHistorical Data
19 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $4.86B | $4.56B | $4.74B | $4.92B | $4.96B | $5.10B | $5.10B | $5.47B | $5.45B | $5.26B | $5.23B | $5.48B | $5.46B | $5.53B | $5.63B | $5.83B | $5.57B | $5.58B | $5.73B |
| QoQ Change | — | -6.2% | +4.0% | +3.8% | +0.8% | +2.8% | +0.1% | +7.3% | -0.4% | -3.6% | -0.4% | +4.6% | -0.2% | +1.3% | +1.8% | +3.5% | -4.4% | +0.1% | +2.8% |
| YoY Change | — | — | — | — | +2.1% | +11.8% | +7.5% | +11.2% | +10.0% | +3.1% | +2.6% | +0.0% | +0.2% | +5.3% | +7.6% | +6.4% | +1.9% | +0.7% | +1.7% |
Range$4.56B – $5.83B
CAGR+3.7%
Avg YoY Growth+4.8%
Median YoY Growth+3.1%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is Bank of America's consumer banking — noninterest expense?
- Bank of America (BAC) reported consumer banking — noninterest expense of $5.73B in Q4 2025.
- How has Bank of America's consumer banking — noninterest expense changed year-over-year?
- Bank of America's consumer banking — noninterest expense increased by 1.7% year-over-year, from $5.63B to $5.73B.
- What is the long-term trend for Bank of America's consumer banking — noninterest expense?
- Over 4 years (2021 to 2025), Bank of America's consumer banking — noninterest expense has grown at a 4.1% compound annual growth rate (CAGR), from $19.29B to $22.70B.
- What does consumer banking — noninterest expense mean?
- Total operating costs for the segment excluding interest payments.