Consumer Banking — Net Interest Income
Business Segments · Net Interest IncomeBank of America Consumer Banking — Net Interest Income increased by 1.1% to $9.09B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 7.1%, from $8.49B to $9.09B. Over 4 years (FY 2021 to FY 2025), Consumer Banking — Net Interest Income shows an upward trend with a 9.1% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
Higher income indicates effective interest rate management and loan growth, while lower income may signal compressed margins or reduced lending activity.
Detailed definition
The difference between the interest income generated from interest-earning assets, such as loans and mortgages, and the...
Peer comparison
A core metric for all commercial and retail banks, directly comparable across the industry.
bac_segment_consumer_banking_net_interest_incomeHistorical Data
| 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 | $5.97B | $6.49B | $6.54B | $6.68B | $7.09B | $7.78B | $8.49B | $8.59B | $8.44B | $8.39B | $8.27B | $8.20B | $8.12B | $8.28B | $8.49B | $8.51B | $8.73B | $8.99B | $9.09B |
| QoQ Change | — | +8.7% | +0.8% | +2.1% | +6.1% | +9.8% | +9.1% | +1.2% | -1.8% | -0.5% | -1.5% | -0.9% | -1.0% | +2.0% | +2.5% | +0.2% | +2.6% | +3.0% | +1.1% |
| YoY Change | — | — | — | — | +18.7% | +19.9% | +29.8% | +28.6% | +19.0% | +7.8% | -2.7% | -4.6% | -3.8% | -1.3% | +2.6% | +3.8% | +7.5% | +8.6% | +7.1% |
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Frequently Asked Questions
- What is Bank of America's consumer banking — net interest income?
- Bank of America (BAC) reported consumer banking — net interest income of $9.09B in Q4 2025.
- How has Bank of America's consumer banking — net interest income changed year-over-year?
- Bank of America's consumer banking — net interest income increased by 7.1% year-over-year, from $8.49B to $9.09B.
- What is the long-term trend for Bank of America's consumer banking — net interest income?
- Over 4 years (2021 to 2025), Bank of America's consumer banking — net interest income has grown at a 9.1% compound annual growth rate (CAGR), from $24.93B to $35.31B.
- What does consumer banking — net interest income mean?
- The profit earned from the difference between interest received on loans and interest paid on deposits.