# Bank of America 3 Key Takeaways for Long-Term Investors

> Bank of America's 2026 earnings show strong growth, regulatory costs baked in, and low loan-to-deposit ratios protecting margins.
- Title: Bank of America 3 Key Takeaways for Long-Term Investors
- Summary: Bank of America's 2026 earnings show strong growth, regulatory costs baked in, and low loan-to-deposit ratios protecting margins. Bank of America's 2026…
- Keywords: bank of america, net interest income, regulatory settlement, loan-to-deposit ratio, 2026 earnings, bank of america 2027, finance, money, Bank, America, Key, Takeaways
- Source: The Motley Fool — https://fool.com/earnings/takeaways/2026/10/17/bank-of-america-3-key-takeaways-for-long-term-investors
- Author: The Motley Fool Team
- Published: 2026-10-17T18:08:01+00:00
- Read time: 1 min
- Topics: bank of america, net interest income, regulatory settlement, loan-to-deposit ratio, 2026 earnings, bank of america 2027, finance, money
## Net Interest Income Growth Exceeds 8% in 2027
Bank of America expects net interest income growth to exceed 8% in 2027, higher than 2026 and original 5%-7% range.

> For 2027, we currently expect full-year growth of NII to be 8% or more, higher than 2026, and again, higher than our original 5%-7% range.
## Regulatory Settlement Costs Already Baked In
A $1.2 billion regulatory settlement charge reduced reported earnings, with ongoing costs embedded in operating expenses.

> A $1.2 billion non-tax-deductible regulatory settlement charge for failure to adhere to anti-money laundering compliance lowered reported earnings.
## Low Loan-to-Deposit Ratios Protect Margins
Bank of America's low loan-to-deposit ratio allows it to compete on capabilities rather than price, with $2 trillion in deposits funding $1.25 trillion in loans.

> Our focus on operating deposits and our low loan-to-deposit ratio allow us to compete on capabilities rather as opposed to price.
## Key takeaway

Bank of America's 2026 earnings show net interest income growth exceeding 8% in 2027, regulatory settlement costs already embedded, and low loan-to-deposit ratios protecting margins from price wars.