BMO Bank N.A.: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
BMO Bank N.A. reported all 18 line items on this page on its Q2 2026 filing. Total loans and leases was $141.64B in Q2 2026, down 0.5% from $142.32B in Q2 2025. That is 55.6% of its total assets. Across the 12 quarters shown it ranged from $139.19B (Q3 2025) to $155.14B (Q3 2023).
What the loan portfolio page covers and where each line comes from.
CRE concentration (Tier 1 capital + allowance) climbed 3.09 percentage points in Q2 2026, from 83.43% to 86.52%. It was the largest change from Q1 2026 among the key lines here. BMO Bank N.A. ranks 182nd of 319 Illinois banks on loan-to-deposit ratio, in the lower half at 72.96% (Q2 2026). BMO Bank N.A. reported 72.96% on loan-to-deposit ratio for Q2 2026, 11.27 points above the 61.69% median for banks in the >= $250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $141.64B |
| Net loans and leases | $139.42B |
| Loans held for sale | $43.7M |
| Loans to total assets | 55.55% |
| Loan-to-deposit ratio | 72.96% |
| Net loans to equity capital | 3.83% |
Source: Call Report Schedule RC-C; Total loans and leases: Call Report Schedule RC-C, Part I, item 12 (RCFD2122). Open the filed call report for Q2 2026 on the FFIEC CDR.
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.94% |
| Multifamily (5+ residential) | 2.23% |
| Commercial and industrial | 31.56% |
| Consumer | 7.65% |
| Credit cards | 0.57% |
| Farm | 0.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.36% |
Source: Call Report Schedule RC-C. Open the filed call report for Q2 2026 on the FFIEC CDR.
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 86.52% |
| Construction concentration (Tier 1 capital + allowance) | 15.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Source: Call Report Schedule RC-C. Open the filed call report for Q2 2026 on the FFIEC CDR.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.99% |
| Interest income on loans | $2.11B |
Source: Call Report Schedule RC-C. Open the filed call report for Q2 2026 on the FFIEC CDR.
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $155.14B | $201.16B | 12.89% | 31.61% | 13.37% |
| Q4 2023 | $148.38B | $206.60B | 13.57% | 32.18% | 8.83% |
| Q1 2024 | $147.59B | $207.99B | 13.40% | 32.79% | 8.58% |
| Q2 2024 | $148.66B | $206.80B | 13.49% | 32.42% | 8.48% |
| Q3 2024 | $147.39B | $209.73B | 13.39% | 32.46% | 8.45% |
| Q4 2024 | $148.27B | $210.56B | 13.19% | 31.22% | 8.25% |
| Q1 2025 | $144.86B | $202.57B | 13.77% | 31.52% | 8.14% |
| Q2 2025 | $142.32B | $199.27B | 14.07% | 31.60% | 7.96% |
| Q3 2025 | $139.19B | $194.76B | 14.04% | 31.27% | 8.08% |
| Q4 2025 | $139.80B | $196.98B | 14.78% | 30.35% | 7.88% |
| Q1 2026 | $140.37B | $193.96B | 14.99% | 31.16% | 7.69% |
| Q2 2026 | $141.64B | $194.14B | 14.94% | 31.56% | 7.65% |
BMO Bank N.A. loan portfolio, quarter by quarter
Loan Portfolio since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q2 2026. How these pages are built. See the full BMO Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16571) · FFIEC NIC profile (RSSD 75633)