Commercial Reservable Criticized Utilized Exposure Percentage
Bank of America Commercial Reservable Criticized Utilized Exposure Percentage decreased by 4.7% to 3.2% in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 22.1%, from 4.1% to 3.2%. Over 5 years (FY 2020 to FY 2025), Commercial Reservable Criticized Utilized Exposure Percentage shows a downward trend with a -14.3% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
A rising percentage indicates a deterioration in the overall quality of the commercial loan book, whereas a falling percentage suggests improved credit risk management.
Detailed definition
This metric measures the proportion of the total commercial loan portfolio that is classified as criticized. By normaliz...
Peer comparison
Peer banks report this as a key asset quality ratio, allowing for direct comparison of credit risk appetite across the industry.
bank_criticized_exposure_pctHistorical 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 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | 5.5% | 4.5% | 3.9% | 3.5% | 3% | 2.9% | 3.1% | 3.2% | 3.4% | 3.8% | 3.7% | 3.9% | 3.9% | 4.3% | 4% | 4.1% | 4% | 3.7% | 3.4% | 3.2% |
| QoQ Change | — | -16.9% | -13.7% | -9.5% | -16.7% | -2.4% | +8.3% | +1.6% | +8.5% | +11.3% | -2.3% | +5.1% | +0.3% | +7.9% | -5.6% | +2.7% | -3.4% | -7.8% | -8.2% | -4.7% |
| YoY Change | — | — | — | — | -45.9% | -36.4% | -20.2% | -10.5% | +16.6% | +33.0% | +19.9% | +24.0% | +14.5% | +11.0% | +7.2% | +4.8% | +1.0% | -13.6% | -16.0% | -22.1% |
Commercial Reservable Criticized Utilized Exposure Percentage at Other Companies
Frequently Asked Questions
- What is Bank of America's commercial reservable criticized utilized exposure percentage?
- Bank of America (BAC) reported commercial reservable criticized utilized exposure percentage of 3.2% in Q1 2026.
- How has Bank of America's commercial reservable criticized utilized exposure percentage changed year-over-year?
- Bank of America's commercial reservable criticized utilized exposure percentage decreased by 22.1% year-over-year, from 4.1% to 3.2%.
- What is the long-term trend for Bank of America's commercial reservable criticized utilized exposure percentage?
- Over 5 years (2020 to 2025), Bank of America's commercial reservable criticized utilized exposure percentage has grown at a -14.3% compound annual growth rate (CAGR), from 7.3% to 3.4%.
- What does commercial reservable criticized utilized exposure percentage mean?
- The percentage of the total commercial loan portfolio that is classified as having elevated credit risk.