BlastPoint's Banking Scorecard
BMO Bank National Association
Chicago, IL
990 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
BMO Bank National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Efficiency Ratio 2.34% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 0.1% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Delinquency Rate 0.11% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$252.0B
-2.0% YoY
-0.0% QoQ
|
-$755.2B |
$1,007.1B
-0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.2% in tier |
| Total Loans ? |
$138.1B
-3.1% YoY
+0.4% QoQ
|
-$298.1B |
$436.2B
+3.5% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$194.0B
-4.3% YoY
-1.5% QoQ
|
-$573.1B |
$767.0B
-1.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.2% in tier |
| Return on Assets ? |
1.16%
+77.0% YoY
+22.0% QoQ
|
+0.02% |
1.15%
+9.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
3.28%
+6.2% YoY
+1.3% QoQ
|
+0.23% |
3.05%
+6.7% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
53.55%
-1.5% YoY
-0.6% QoQ
|
-2.34% |
55.89%
+3.9% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
1.03%
-27.2% YoY
-5.8% QoQ
|
+0.11% |
0.92%
-4.7% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
71.20%
+1.2% YoY
+2.0% QoQ
|
+12.56% |
58.65%
+11.5% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
23.41%
+10.7% YoY
+2.9% QoQ
|
+4.81% |
18.60%
+9.6% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.57%
-28.0% YoY
-5.1% QoQ
|
+0.09% |
0.48%
+3.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
15.00%
+9.4% YoY
+1.7% QoQ
|
+1.00% |
14.00%
-15.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.16%
+6.8% YoY
-74.5% QoQ
|
-0.19% |
0.35%
-0.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.5% in tier |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.