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
Favorable gap of $56K · efficiency ratio beats 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.51% | 0.84% | 1.19% | Beats 33% | 38 / 57 | | |
| Return on Equity | 0.67% | 3.13% | 7.76% | 11.40% | Beats 12% | 50 / 57 | | |
| Net Interest Margin | 0.10% | 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 / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 447% | 12.24% | 16.06% | 19.69% | Beats 98% | 1 / 57 | | |
| Total Risk-Based Capital Ratio | 447% | 12.54% | 16.50% | 20.95% | Beats 98% | 1 / 57 | | |
| Equity / Assets | 87.46% | 9.37% | 11.56% | 15.00% | Beats 98% | 1 / 57 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 66.29% | 85.59% | 95.16% | 0th pctl | 57 / 57 | | |
| Loans / Assets | 0.00% | 57.07% | 71.07% | 78.13% | 0th pctl | 57 / 57 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |