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BMO Bank National Association

$250B+ Specialty: Commercial IL FDIC cert 16571

Chicago, IL

988 branches across CA · IL · WI · CO · AZ · IN · MN · NE · KS · MO · IA · OR · NM · FL · WY · OK · WA · NV · SD · UT · ID · ND · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 18 banks in the $250B+ peer group nationwide — 1 of 1 in IL.
  • Deposits -2.6% year over year ($194.1B on the books).
  • Delinquency rate 0.94%.
  • Return on assets 0.15%.
  • Efficiency ratio 84.38% vs a 52.80% peer average.
  • Loan-to-deposit ratio 71.81% vs a 59.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

18 banks in the $250B+ peer group nationally 1 in IL
View $250B+ leaderboard (IL) →

BMO Bank National Association has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.1% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - Return on Assets 1.03% below tier average
  • - Delinquency Rate 0.16% above tier average
Get updates when BMO Bank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $255.0B
+0.5% YoY +1.2% QoQ
-$681.3B $936.3B
-15.8% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $139.4B
-0.4% YoY +1.0% QoQ
-$270.1B $409.5B
-13.1% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $194.1B
-2.6% YoY +0.1% QoQ
-$519.1B $713.2B
-15.8% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 5.6% in tier
Return on Assets ? 0.15%
-82.8% YoY -87.5% QoQ
-1.03% 1.17%
+26.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 5.6% in tier
Net Interest Margin ? 3.28%
+4.4% YoY +0.1% QoQ
+0.34% 2.94%
-1.8% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 84.38%
+55.9% YoY +57.6% QoQ
+31.58% 52.80%
-5.4% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 5.6% in tier
Delinquency Rate ? 0.94%
-27.1% YoY -8.5% QoQ
+0.16% 0.78%
-21.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 71.81%
+2.2% YoY +0.9% QoQ
+12.78% 59.04%
+5.5% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 23.58%
+6.7% YoY +0.7% QoQ
+7.28% 16.30%
-11.5% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.53%
-28.2% YoY -8.5% QoQ
+0.11% 0.42%
-12.7% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 14.99%
+5.4% YoY -0.1% QoQ
-0.21% 15.20%
+5.2% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.33%
+6.1% YoY +103.6% QoQ
-0.31% 0.64%
-10.8% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
22%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 23.6%
+1.5pp YoY
+0.2pp QoQ
 +7.3pp 16.3% 20.1% 22.2% 61%
Brokered Deposits 3.2%
-1.3pp YoY
+0.5pp QoQ
 -3.8pp 7.0% 8.0% 8.5% 22%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 32.1%
-0.1pp YoY
+0.4pp QoQ
 +12.5pp 19.6% 14.7% 12.5% 88%
CRE 20.7%
+0.8pp YoY
+0.3pp QoQ
 +8.4pp 12.2% 37.9% 41.4% 93%
1-4 Family 20.0%
-0.5pp YoY
-0.2pp QoQ
 -0.6pp 20.6% 28.3% 31.3% 35%
Consumer 7.8%
-0.3pp YoY
0.0pp QoQ
 -9.1pp 16.9% 5.4% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 15.0%
+0.8pp YoY
0.0pp QoQ
 -0.2pp 15.2% 19.9% 19.7% 67%
Leverage Ratio 11.3%
+0.8pp YoY
0.0pp QoQ
 +2.5pp 8.8% 12.2% 12.6% 94%
Total Capital Ratio 16.2%
+0.5pp YoY
0.0pp QoQ
 -0.1pp 16.3% 20.9% 20.8% 72%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 16,526
-531 (-3.1%) YoY
-112 (-0.7%) QoQ
 -47,033 63,559 228 482 22%
Assets per Employee ($) $15.4M
+3.7% YoY
+1.9% QoQ
 -$45.7M $61.1M $8.3M $8.8M 61%
Branch Count 988
-15 (-1.5%) YoY
0 QoQ
 -420 1,407 10 18 44%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 0%
Nonaccrual 0.9%
-0.4pp YoY
-0.1pp QoQ
 +0.3pp 0.6% 1.1% 1.0% 83%
Allowance Coverage 1.70x
+32.0% YoY
+6.1% QoQ
 -0.44x 2.14x 5.62x 20.23x 61%
Net Charge-off Rate (YTD) 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.5% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 1.0%
-5.2pp YoY
-6.8pp QoQ
 -11.4pp 12.4% 10.5% 11.6% 0%
Cost of Funds (YTD) 1.9%
-0.4pp YoY
0.0pp QoQ
 -0.3pp 2.2% 1.6% 1.7% 39%
Net Income ($, YTD) $184.4M
-83.2% YoY
— QoQ
 -$5.7B $5.9B $11.7M $40.4M 0%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk
#1 of 1 • Bottom 0.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.38%
(Tier: 52.80%, National: 70.05%)
worse than tier avg
1 of 1 Titans banks match · 426 nationally
↓ Shrinking -64 banks QoQ

Deposit Outflow

decline
#2 of 2 • Bottom 50.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

2 of 2 Titans banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 18 peers in $250B+

Top Strengths (1 metrics)

4
Net Interest Margin
profitability
Value: 3.28%
Peer Median: 2.94%
#4 of 18 Top 16.7% in $250B+

Top Weaknesses (5 metrics)

18
Efficiency Ratio
profitability
Value: 84.38%
Peer Median: 52.80%
#18 of 18 Bottom 5.6% in $250B+
18
Return on Assets
profitability
Value: 0.15%
Peer Median: 1.17%
#18 of 18 Bottom 5.6% in $250B+
18
Total Deposits
size
Value: $194.14B
Peer Median: $713.22B
#18 of 18 Bottom 5.6% in $250B+
16
Total Assets
size
Value: $254.97B
Peer Median: $936.28B
#16 of 18 Bottom 16.7% in $250B+
15
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.64%
#15 of 18 Bottom 22.2% in $250B+
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