PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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