What Bank of America's FY2025 10-K says: 12 signals
Bank of America filed its latest 10-K with the SEC on Feb 25, 2026. It discusses compliance burden, data investment and automation investment.
Public (BAC)Banking10,000+ employeesbankofamerica.comLinkedIn
- Filed
- Feb 25, 2026
- Period
- FY2025
- Fiscal year end
- 12/31
- Filings
- 1
10-K · latest 10
What Bank of America's 10-K filings say
- SEC EDGAR
10-K · FY2025
Filed · Fiscal year ends 12/31 · 12 signals
Pending AML rule changes will require Bank of America to update its compliance programs.
Impending updates to anti-money laundering (AML) regulations will force the bank to re-evaluate and likely invest in its compliance infrastructure.
Facing new AML program requirements from Federal Reserve and OCC proposed in 2024.
Bank of America must adapt to proposed amendments for anti-money laundering (AML) programs, requiring updates to risk identification, evaluation, and documentation.
Bank of America using third-party consultant for 'equal pay for equal work' reviews.
The company engages external consultants for pay equity reviews, overseen by the Board, to ensure its compensation practices are fair.
The complex and evolving regulatory landscape creates a constant need for robust compliance, data governance, and risk management solutions.
Biennial 'resolution planning' mandate requires complex operational and data mapping.
The recurring regulatory requirement to submit a detailed resolution plan for failure scenarios drives significant investment in operational resilience, data management, and business continuity planning.
Bank of America cites rising competition from internet-based and nonfinancial technology companies.
The company explicitly identifies competition from firms using emerging technologies like digital assets, indicating a strategic need to invest in digital products and services to protect market share against more agile, tech-focused entrants.
digital assetsbanksthriftscredit unions
Required to submit biennial resolution 'living will' plans to the Fed and FDIC.
As a major bank holding company, BAC must create and submit a detailed plan for orderly resolution in a crisis scenario every two years.
BAC pursuing ongoing cost reduction by reducing corporate subsidiaries.
Bank of America is actively streamlining its organizational structure to reduce complexity and costs, which involves merging and eliminating subsidiaries.
Incurred FDIC special assessment cost to cover 2023 bank failures.
The company was required to pay a special assessment to the FDIC to cover losses from the 2023 failures of Silicon Valley Bank and Signature Bank.
Managing capital against a 2.5% SCB and a 3.0% G-SIB surcharge.
The company's capital actions are constrained by specific regulatory buffers, including a 2.5% Stress Capital Buffer (SCB) and a 3.0% G-SIB surcharge.
3%
G-SIB surcharge
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Source. Annual reports (Form 10-K) filed with the SEC. Every card links to the filing on EDGAR.
Method. Insights are extracted from the filing text and grouped by category. Numbers are quoted from the filing.
Data as of .