BANK OF AMERICA CORP /DE/ (BAC) debt
What BANK OF AMERICA CORP /DE/ owes, when it comes due, and what it costs to carry, from the balances and cash flows the company reports to the U.S. Securities and Exchange Commission.
At a glance
| Metric | Jun 2026 | Jun 2025 | Change |
|---|---|---|---|
| Total debt | $399.84B | $361.31B | +$38.53B |
| Due within a year | $59.98B | $47.89B | +$12.09B |
| Long-term debt | $339.86B | $313.42B | +$26.45B |
| Cash and equivalents | $229.75B | $266.01B | −$36.27B |
| Net debt | $170.10B | $95.30B | +$74.80B |
Total debt is the sum of the debt lines the company reports at that date (long-term, current and short-term borrowings), not a figure the company reports as a total.
Debt over time
| Balance date | Total debt | Due within a year | Long-term debt | Cash |
|---|---|---|---|---|
| Jun 2026 | $399.84B† | $59.98B | $339.86B | $229.75B |
| Mar 2026 | $383.59B† | $57.63B | $325.96B | $242.48B |
| Dec 2025 | $338.22B† | $20.40B | $317.82B | $231.84B |
| Sep 2025 | $365.68B† | $54.20B | $311.48B | $246.51B |
| Jun 2025 | $361.31B† | $47.89B | $313.42B | $266.01B |
| Mar 2025 | $345.62B† | $41.47B | $304.15B | $273.58B |
| Dec 2024 | $307.48B† | $24.20B | $283.28B | $290.11B |
| Sep 2024 | $335.37B† | $38.44B | $296.93B | $295.59B |
| Jun 2024 | $330.90B† | $40.43B | $290.47B | $320.63B |
| Mar 2024 | $335.24B† | $38.90B | $296.35B | $313.40B |
| Dec 2023 | $315.30B† | $13.10B | $302.20B | $333.07B |
| Sep 2023 | $330.56B† | $40.20B | $290.36B | $351.73B |
† Sum of the debt lines the company reports at that date, not a reported total.
When it comes due
Principal due by year as of December 31, 2025.
| Due | Principal | Share of total |
|---|---|---|
| Within 1 year | $41.71B | 13.1% |
| Year 2 | $41.23B | 13.0% |
| Year 3 | $40.52B | 12.8% |
| Year 4 | $31.44B | 9.9% |
| Year 5 | $15.68B | 4.9% |
| After year 5 | $147.23B | 46.3% |
| Total | $317.82B | 100% |
Interest cost and borrowing
| Fiscal year | Interest expense | Borrowed | Repaid |
|---|---|---|---|
| FY Dec 2025 | — | $99.87B | $76.03B |
| FY Dec 2024 | — | $56.68B | $70.41B |
| FY Dec 2023 | $73.33B | $65.40B | $44.57B |
| FY Dec 2022 | $20.10B | $65.91B | $34.05B |
| FY Dec 2021 | $4.74B | $76.67B | $46.83B |
About these figures
These are the balances BANK OF AMERICA CORP /DE/ reports in its SEC filings as of each balance-sheet date, and the interest, borrowing and repayments it reports for each period. This page does not show market prices or yields of the company's bonds. "Long-term debt" is the line as the company tags it in its filings and may or may not include the portion due within a year.
All figures from company filings with the SEC.