BMO Bank National Association
Total assets
$254.97B
▲ +0.5% YoY
Deposits
$194.14B
▼ -2.6% YoY
Loans
$139.42B
▼ -0.4% YoY
Offices
987
BANK OF MONTREAL
ROA (annualized)
0.15%
peers 1.23%
ROE (annualized)
0.99%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| Deposit growth (YoY) | -2.6% | +5.7% | -8.3 pts |
| Loan growth (YoY) | -0.4% | +6.9% | -7.4 pts |
| ROA | 0.15% | 1.23% | -1.1 pts |
| ROE | 1.0% | 11.2% | -10.2 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
Profile
- Established
- 1947
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- BANK OF MONTREAL
- Specialization
- Commercial Lending Specialization
- Address
- 320 S Canal St, Chicago, IL, 60606
- County
- Cook
- Metro area
- Chicago-Naperville-Elgin, IL-IN-WI
- Offices
- 987
- FDIC cert #
- 16571
- RSSD ID
- 75633
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $254.97B | $194.14B | $139.42B | $36.44B | $184.4M | 0.15% | 3.28% | 0.53% |
| Q1 2026 | $251.96B | $193.96B | $138.10B | $37.61B | $733.0M | 1.16% | 3.28% | 0.57% |
| Q4 2025 | $252.07B | $196.98B | $137.55B | $37.36B | $2.43B | 0.95% | 3.24% | 0.61% |
| Q3 2025 | $249.34B | $194.76B | $136.98B | $36.78B | $1.77B | 0.92% | 3.20% | 0.64% |
| Q2 2025 | $253.74B | $199.27B | $140.00B | $36.16B | $1.10B | 0.85% | 3.15% | 0.73% |
| Q1 2025 | $257.05B | $202.57B | $142.48B | $35.48B | $427.8M | 0.66% | 3.09% | 0.80% |
| Q4 2024 | $263.65B | $210.56B | $146.05B | $34.70B | $2.92B | 1.10% | 3.09% | 0.74% |
| Q3 2024 | $264.33B | $209.73B | $145.25B | $35.44B | $2.31B | 1.17% | 3.06% | 0.57% |
Loan mix (Q2 2026): real estate $57.13B · commercial $44.70B · consumer $10.83B · securities $64.76B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 1.23% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 11.3% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.55% | 39th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.4% | 54.9% | 99th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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