BMO Bank N.A.: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
BMO Bank N.A. reported all 9 line items on this page on its Q2 2026 filing. Unused loan commitments was $16.48B in Q2 2026, down 3.3% from $17.04B in Q2 2025. That is 6.5% of its total assets. Across the 12 quarters shown it ranged from $16.48B (Q2 2026) to $18.25B (Q3 2023).
What the off-balance-sheet exposure page covers and where each line comes from.
The standout move of Q2 2026 was in Trading liabilities: 15.3% higher than in Q1 2026, at $151.6M.
Commitments
| Line item | Q2 2026 |
|---|---|
| Unused loan commitments | $16.48B |
| Letters of credit | $4.36B |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Derivatives
| Line item | Q2 2026 |
|---|---|
| Total derivatives, notional | $171.21B |
| Interest rate swaps, notional | $17.42B |
| Foreign exchange derivatives, notional | $3.58B |
| Derivatives notional to total assets | 67.15% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Trading positions
| Line item | Q2 2026 |
|---|---|
| Trading account assets | $124.9M |
| Trading liabilities | $151.6M |
| Trading assets to total assets | 0.05% |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Off-Balance-Sheet Exposure trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused commitments | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q3 2023 | $18.25B | $4.30B | 55.57% |
| Q4 2023 | $18.10B | $4.20B | 55.27% |
| Q1 2024 | $17.96B | $4.14B | 58.68% |
| Q2 2024 | $17.73B | $4.31B | 59.46% |
| Q3 2024 | $17.59B | $4.42B | 62.16% |
| Q4 2024 | $17.68B | $4.30B | 59.26% |
| Q1 2025 | $17.06B | $4.23B | 61.41% |
| Q2 2025 | $17.04B | $4.08B | 63.05% |
| Q3 2025 | $16.95B | $4.01B | 64.91% |
| Q4 2025 | $16.92B | $4.26B | 65.15% |
| Q1 2026 | $16.66B | $4.32B | 65.91% |
| Q2 2026 | $16.48B | $4.36B | 67.15% |
BMO Bank N.A. off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, 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)