Bank of America's Q4 Loan Growth Snapshot: The Mix Matters

Key Takeaways BAC's average total loans and leases rose 8% in Q4 2025 to $1.17T, led by 12% growth in commercial balances.Consumer loan growth was modest at 4%, reflecting selective borrowing and cautious household demand.BAC's loan mix could support earnings if commercial momentum holds and credit costs stay contained.Bank of America’s (BAC) loan book expanded again in the fourth quarter of 2025, and the composition is telling. Commercial balances drove most of the growth, while consumer lending was more s ...