Bank of America (NYSE: BAC), the second-largest bank by assets in the U.S., has generally been regarded as a great stock to own since the Great Recession. 

But in the fourth quarter of the year, net interest income (NII), the money the bank makes on loans and securities after funding those assets, disappointed, coming up short of what investors and analysts had been expecting. NII is a key revenue driver for all banks and made up about 55% of Bank of America's total revenue in 2022.

After a disappointing quarter for NII and also disappointing guidance for the current quarter, should investors be worried? Let's investigate.

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Source Fool.com