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BMO Harris Central National Association

Roselle, IL · Cert 58216 · Bank of Montreal

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

98

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

BMO Harris Central National Association

Roselle, IL · Cert 58216 · Bank of Montreal

National charter · OCC · 1 affiliate bank · 1 branch (989 in holding)

Q2 2026

$8.2MAssets
$0KLoans
$1.0MDeposits
$7.2MEquity
Deposit mix
0%Interest-bearing $0.0M100%Noninterest $1.0MQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #143 of 147 inst. · $0.0B of $630.7B

Executive Summary

  • Earnings: ROA of 0.58%, up 19 bps year over year; NIM at 0.10%.
  • Capital: tier 1 leverage ratio of 87.50%, down 20 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.58%+19 bps YoY

Net Interest Margin (YTD, annualized)

0.10%-3 bps YoY

Efficiency Ratio (YTD, annualized)

-700%-38,000 bps YoY

Tier 1 Leverage Ratio

87.50%-20 bps YoY

NIM

0.15%Q2 ’240.12%Q2 ’250.10%Q2 ’26-17%-21%

Non-interest income vs. expense

-0.39%Q2 ’24-0.39%Q2 ’25-0.68%Q2 ’26+0%-73%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.37%0.20%0.39%0.39%0.46%0.58%0.58%+19 bps
Return on Equity0.41%0.42%0.22%0.45%0.45%0.53%0.67%0.67%+22 bps
Net Interest Margin0.15%0.15%0.15%0.12%0.11%0.12%0.10%0.10%-3 bps
Efficiency Ratio-233%-200%-66.67%-320%-357%-410%-700%-700%-38,000 bps
Non-Interest Burden-0.34%-0.30%-0.10%-0.39%-0.41%-0.50%-0.68%-0.68%-29 bps
Growth
Asset Growth (YoY)0.41%0.46%0.42%0.53%0.52%0.49%0.56%0.39%-14 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio87.39%87.76%89.59%87.69%87.30%87.38%87.40%87.50%-20 bps
Total Risk-Based Capital446%404%404%446%446%446%446%447%+92 bps
Equity / Assets87.36%87.27%87.28%87.24%87.30%87.31%87.35%87.46%+22 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

BMO Harris Central National Association

Roselle, IL · Cert 58216 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=57) · Bank of Montreal

National charter · OCC · 1 affiliate bank · 1 branch (989 in holding)

Q2 2026

$8.2MAssets
$0KLoans
$1.0MDeposits
$7.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 57).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 57 of 57).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.58%

Rank 38 of 57

Net Interest Margin

0.10%

Rank 57 of 57

Efficiency Ratio

-700%

Rank 1 of 57

Equity / Assets

87.46%

Rank 1 of 57

Non-interest income vs. expense

$0K-$56KINCOMEEXPENSE
Favorable gap of $56K · efficiency ratio beats 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank -700%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.58%0.51%0.84%1.19%Beats 33%38 / 57
Return on Equity0.67%3.13%7.76%11.40%Beats 12%50 / 57
Net Interest Margin0.10%3.16%3.63%4.08%Beats 0%57 / 57
Efficiency Ratio-700%59.57%69.70%81.06%Beats 100%1 / 57
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio447%12.24%16.06%19.69%Beats 98%1 / 57
Total Risk-Based Capital Ratio447%12.54%16.50%20.95%Beats 98%1 / 57
Equity / Assets87.46%9.37%11.56%15.00%Beats 98%1 / 57
Liquidity & Funding
Loans / Deposits0.00%66.29%85.59%95.16%0th pctl57 / 57
Loans / Assets0.00%57.07%71.07%78.13%0th pctl57 / 57
Brokered Deposits / Depositsn/aNot reported for this institution