BlastPoint's Banking Scorecard

BMO Harris Central National Association

under $100M Specialty: Other IL FDIC cert 58216

Roselle, IL

Non-lending institution — comparison caveats apply

BMO Harris Central National Association is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.

541 banks in the under $100M peer group nationally 61 in IL

View under $100M leaderboard (IL) →

BMO Harris Central National Association has 3 strengths but faces 3 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

+ Efficiency Ratio 788.34% below tier average
+ Non-Interest-Bearing Deposit Share 76.29% above tier average
+ Nonperforming Asset Ratio 0.79% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 3.86% below tier average
- Non-Interest Income / Assets 0.67% below tier average
- ROA 0.25% below tier average

Get updates when BMO Harris Central National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$8.2M +0.6% YoY +0.1% QoQ	-$53.9M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 0.9% in tier
Total Loans ?	$0	-$34.2M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 3.7% in tier
Total Deposits ?	$1.0M 0% YoY 0% QoQ	-$50.7M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 2.6% in tier
Return on Assets ?	0.58% +198.4% YoY +25.9% QoQ	-0.25%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	0.00%	-3.86%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 0.6% in tier
Efficiency Ratio ?	-700.00% -950.0% YoY -70.7% QoQ	-788.34%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 0.1% in tier
Delinquency Rate ?	-	-	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	-
Loan-to-Deposit Ratio ?	0.00%	-64.22%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 0.1% in tier
Non-Interest-Bearing Deposit Share ?	100.00% 0% YoY 0% QoQ	+76.29%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 0.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	445.59% +10.4% YoY -0.1% QoQ	+418.91%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 0.2% in tier
Non-Interest Income / Assets ?	0.00%	-0.67%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 2.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: -700.00%

Peer Median: 88.34%

#1 of 541 Top 0.1% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 0.00%

Peer Median: 64.22%

#1 of 541 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 100.00%

Peer Median: 23.71%

#1 of 541 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Tier 1 Capital Ratio

capital

Value: 445.59%

Peer Median: 26.68%

#2 of 541 Top 0.2% in under $100M

Top Weaknesses (5 metrics)

539

Net Interest Margin

profitability

Value: 0.00%

Peer Median: 3.86%

#539 of 541 Bottom 0.6% in under $100M

537

Total Assets

size

Value: $8.21M

Peer Median: $62.16M

#537 of 541 Bottom 0.9% in under $100M

528

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.67%

#528 of 541 Bottom 2.6% in under $100M

528

Total Deposits

size

Value: $1.00M

Peer Median: $51.74M

#528 of 541 Bottom 2.6% in under $100M

522

Total Loans

size

Value: $0.00

Peer Median: $34.25M

#522 of 541 Bottom 3.7% in under $100M