Key Takeaways How are BAC's Peers Faring in Terms of NII? Citigroup (C) is demonstrating resilience and steady growth in NII. In the first half of 2025, the company's NII rose 8% year over year to $29.2 million, primarily driven by an increase in average deposit and loan balances, as well as higher deposit spreads. Bank of America (BAC) , among the most rate-sensitive U.S. banks, saw its net interest income (NII) gain momentum after the Federal Reserve cut rates in 2024 after nearly five years. Fixed-rate a ...