# BMO BANK NATIONAL ASSN
CHICAGO, IL · FDIC certificate 16571 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $254.97B | |
| Deposits | $194.14B | |
| Loans and leases | $141.64B | |
| Total equity | $36.47B | |
| Loans / deposits | 71.81% (p50 of band) | 72.53% |
| Liquid assets / assets | 35.47% (p59 of band) | |
| Uninsured deposits / deposits | 52.71% (p91 of band) | 42.66% |
| Brokered deposits | 2.43% | |
| Wholesale funding | 10.36% (p53 of band) | |
| FHLB advances / assets | 3.38% | |
| Tier 1 leverage | 11.29% (p94 of band) | 9.44% |
| Unrealized securities loss / equity | -6.64% (p78 of band) | -9.97% |
| AOCI / equity | -0.29% (p69 of band) | |
| ROA (annualized) | 0.15% (p3 of band) | 1.18% |
| Net interest margin | 3.28% (p66 of band) | 3.14% |
| Efficiency ratio | 84.38% (p100 of band) | |
| Noncurrent loans | 0.92% (p56 of band) | 0.85% |
| Net charge-offs (annualized) | 0.11% (p31 of band) | |
| Reserve coverage of noncurrent | 169.73% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 12.30% (p72 of band) | |
| Auto loans | $751.7M (0.53% of loans; DQ 2.46%, NCO 0.00%) | |
| Loans to nondepository financials | $17.16B (47% of equity) (p41 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 16526 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | wholesale funding >15%, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 4 |  | wholesale funding >15% |
| 2011-09 | 1 |  | losing money, expense ratio p90, NIM <2.5% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | uninsured deposits >50%, expense ratio p90 |  |
| 2013-06 | 2 |  | expense ratio p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | deposits shrinking |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | deposits shrinking |
| 2014-09 | 3 | expense ratio p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | NIM <2.5% |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 5 | capital falling |  |
| 2016-03 | 4 |  | NIM <2.5% |
| 2016-06 | 3 |  | expense ratio p90 |
| 2016-09 | 4 | loans-to-lenders >50% equity |  |
| 2016-12 | 4 | expense ratio p90 | capital falling |
| 2017-03 | 3 |  | expense ratio p90 |
| 2017-06 | 3 | deposits shrinking | loans-to-lenders >50% equity |
| 2017-09 | 4 | loans-to-lenders >50% equity |  |
| 2017-12 | 3 |  | deposits shrinking |
| 2018-03 | 4 | capital falling |  |
| 2018-06 | 5 | wholesale funding >15% |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | wholesale funding >15% |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | wholesale funding >15% |  |
| 2019-12 | 4 |  | wholesale funding >15% |
| 2020-03 | 3 |  | capital falling |
| 2020-06 | 4 | NIM <2.5% |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | reserve under noncurrent |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-12 | 3 | expense ratio p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 4 | losing money |  |
| 2023-06 | 3 | capital falling | uninsured deposits >50%, expense ratio p90 |
| 2023-09 | 2 | expense ratio p90 | losing money, capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | expense ratio p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | uninsured deposits >50% |  |
| 2025-03 | 1 |  | uninsured deposits >50% |
| 2025-06 | 1 | uninsured deposits >50% | loans-to-lenders >50% equity |
| 2025-09 | 3 | deposits shrinking, assets shrinking |  |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 1 |  | deposits shrinking |
| 2026-06 | 2 | expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16571 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "16571", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide