BMO Harris Central N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
BMO Harris Central N.A., based in Roselle, Illinois, reported $8.2 million in assets at June 30, 2026. It pays an average of 0.00% on its deposits and borrowings, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.54%). It also holds common equity equal to 446.89% of its risk-weighted assets, 20.2 times the median of 22.08% for banks its size.
Profitability lags: it returns 0.7% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, BMO Harris Central N.A. reported a CET1 capital ratio of 446.89%, a return on assets of 0.58% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 110 E Irving Park Rd, Roselle, IL 60172
- County
- Dupage
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 28, 2005
- Offices
- 1 domestic
- Domestic deposits
- $1.0M
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $8.2M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 28, 2005
- FDIC Cert
- 58216
- Fed RSSD
- 3353154
- SEC CIK
- 927971 → filed by BANK OF MONTREAL
- Website
- www.bmo.com →
- Parent Holding Company
- BMO FINANCIAL CORP. (RSSD 1245415)
- Ultimate Parent
- BANK OF MONTREAL (RSSD 1231333)
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full BMO Harris Central N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock BMO Harris Central N.A., freeBMO Harris Central N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 446.89% | 0.58% | — | 0.00% | 4.52% |
| Q1 2026 | 445.59% | 0.58% | — | 0.00% | 4.52% |
| Q4 2025 | 446.23% | 0.68% | — | 0.00% | 6.78% |
| Q3 2025 | 445.64% | 0.39% | — | 0.00% | 4.52% |
| Q2 2025 | 445.97% | 0.59% | — | 0.00% | 4.52% |
| Q1 2025 | 403.62% | 0.20% | — | 0.00% | 6.78% |
| Q4 2024 | 403.85% | 0.39% | — | 0.00% | 6.78% |
| Q3 2024 | 446.14% | 0.29% | — | 0.00% | 6.78% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BMO Harris Central N.A. (main office) | Roselle , IL | 60172 | $1.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 6, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 6, 2012 | Structure Change | Acquired M&I Bank of Mayville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for BMO Harris Central N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 378 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about BMO Harris Central N.A.
What are BMO Harris Central N.A.'s total assets?
As of the Q2 2026 filing, BMO Harris Central N.A. reported total assets of $8.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is BMO Harris Central N.A. headquartered?
BMO Harris Central N.A. is headquartered in Roselle, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was BMO Harris Central N.A. founded?
BMO Harris Central N.A. was established in 2005, per the FDIC institution directory.
Is BMO Harris Central N.A. FDIC-insured?
Yes. BMO Harris Central N.A. is an FDIC-insured commercial bank (FDIC Certificate #58216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BMO Harris Central N.A.?
BMO Harris Central N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is BMO Harris Central N.A.'s CET1 capital ratio?
BMO Harris Central N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 446.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BMO Harris Central N.A. operate?
BMO Harris Central N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BMO Harris Central N.A.'s Texas Ratio?
BMO Harris Central N.A.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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