Discontinued — last reported Q1 '23
Restricted Cash
Current AssetsBank of America Restricted Cash decreased by 36.2% to $4.40B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 10.0%, from $4.00B to $4.40B. Over 5 years (FY 2020 to FY 2025), Restricted Cash shows a downward trend with a -2.1% CAGR.
Analysis
StatementBalance Sheet Statement
SectionCurrent Assets
CategoryLiquidity
SignalContext dependent
VolatilityStable
First reportedQ4 2022
Last reportedQ1 2023
How to read this metric
An increase may signal new regulatory requirements or specific contractual obligations, while a decrease indicates the release of previously tied-up capital.
Detailed definition
Cash balances that are legally or contractually restricted from being used for general corporate purposes. This often in...
Peer comparison
Common in payment processors due to regulatory compliance and settlement-related escrow requirements.
Metric ID:
restricted_cashHistorical 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 | $6.00B | $5.60B | $4.00B | $6.20B | $6.40B | $6.60B | $5.60B | $6.50B | $5.50B | $6.10B | $3.60B | $5.30B | $5.40B | $6.80B | $4.00B | $5.90B | $7.00B | $6.90B | $4.40B |
| QoQ Change | — | -6.7% | -28.6% | +55.0% | +3.2% | +3.1% | -15.2% | +16.1% | -15.4% | +10.9% | -41.0% | +47.2% | +1.9% | +25.9% | -41.2% | +47.5% | +18.6% | -1.4% | -36.2% |
| YoY Change | — | — | — | — | +6.7% | +17.9% | +40.0% | +4.8% | -14.1% | -7.6% | -35.7% | -18.5% | -1.8% | +11.5% | +11.1% | +11.3% | +29.6% | +1.5% | +10.0% |
Range$3.60B – $7.00B
CAGR-6.7%
Avg YoY Growth+4.4%
Median YoY Growth+6.7%
Current Streak2 quarters decline
Restricted Cash at Other Companies
Frequently Asked Questions
- What is Bank of America's restricted cash?
- Bank of America (BAC) reported restricted cash of $4.40B in Q4 2025.
- How has Bank of America's restricted cash changed year-over-year?
- Bank of America's restricted cash increased by 10.0% year-over-year, from $4.00B to $4.40B.
- What is the long-term trend for Bank of America's restricted cash?
- Over 5 years (2020 to 2025), Bank of America's restricted cash has grown at a -2.1% compound annual growth rate (CAGR), from $4.90B to $4.40B.
- What does restricted cash mean?
- Cash that is set aside for a specific purpose and cannot be used for general business operations.