BMO Bank N.A.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BMO Bank N.A. of Chicago, IL against its peer group of 18 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $250B or more in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | -0.86% | 1.23% | -2.09% | 0th worst quarter |
| ROAE | -5.93% | 13.40% | -19.33% | 0th worst quarter |
| Net Interest Margin | 3.21% | 2.88% | +0.33% | 71st better half |
| Efficiency Ratio | 114.29% | 53.68% | +60.61% | 100th worst quarter |
| PPNR / Avg Assets | -0.61% | 1.73% | -2.34% | 0th worst quarter |
| Yield on Earning Assets | 5.06% | 4.86% | +0.20% | 68th |
| Cost of Funds | 1.74% | 1.94% | -0.20% | 24th best quarter |
| Net Interest Spread | 2.50% | 2.30% | +0.20% | 65th better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.92% | 0.76% | +0.16% | 65th worse half |
| NPA / Total Assets | 0.53% | 0.39% | +0.14% | 71st worse half |
| NCO / Avg Loans | 0.20% | 0.33% | -0.13% | 29th better half |
| ACL / Total Loans | 1.57% | 1.45% | +0.12% | 59th |
| ACL / NPLs (Coverage) | 169.73% | 163.55% | +6.18% | 65th better half |
| Texas Ratio | 4.72% | 3.84% | +0.88% | 71st worse half |
| Provision / NCO | 5.08% | 95.65% | -90.57% | 14th |
| CRE / Total Capital | 86.52% | 57.19% | +29.33% | 88th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 14.97% | 13.63% | +1.34% | 71st better half |
| Tier 1 Ratio | 14.99% | 13.73% | +1.26% | 71st better half |
| Total Capital Ratio | 16.24% | 14.82% | +1.42% | 76th best quarter |
| Leverage Ratio | 11.29% | 9.14% | +2.15% | 100th best quarter |
| Equity / Assets | 14.29% | 9.38% | +4.91% | 94th best quarter |
| TCE / Tangible Assets | 10.38% | 7.94% | +2.44% | 100th best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 72.96% | 61.69% | +11.27% | 59th |
| Core Deposit Ratio | 92.97% | 89.83% | +3.14% | 71st better half |
| Uninsured Deposit Ratio | 52.71% | 44.57% | +8.14% | 88th worst quarter |
| Borrowings / Total Assets | 7.93% | 7.01% | +0.92% | 59th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.48% | 7.25% | -6.77% | 12th |
| Loan Growth (Y/Y) | -0.48% | 10.90% | -11.38% | 6th |
| Deposit Growth (Y/Y) | -2.57% | 6.37% | -8.94% | 6th |
See BMO Bank N.A.'s peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full BMO Bank N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the BMO Bank N.A. peer analysis.