BMO Harris Central N.A.
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Data as of · sourced from FFIEC call reports. How we update
BMO Harris Central N.A. is an FDIC-insured commercial bank headquartered in Roselle, IL, established in 2005 (FDIC certificate 58216), and it is supervised by the OCC. At Q2 2026 it reported total assets of $8.2M, up 0.4% from Q2 2025, the 319th largest of 319 banks headquartered in Illinois.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58216
- Headquarters
- Roselle, IL
- Established
- 2005
- Total assets, Q2 2026
- $8.2M
- Assets vs Q2 2025
- +0.4%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071915580
- Holding company
- BMO FINANCIAL CORP.
- Asset rank in state
- 319th of 319 in Illinois
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 1.53%). 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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, BMO Harris Central N.A. is the smallest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets were flat, deposits were flat. The FDIC Summary of Deposits lists a single office for it, in Roselle, IL. By the capital ratios in its Q2 2026 call report, BMO Harris Central N.A. meets every capital ratio test for well capitalized.
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
- Domestic offices
- 1 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, BMO Harris Central N.A.'s total assets ranged from $8.1M (Q3 2023) to $8.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.2M total assets against $8.2M; $1.0M total liabilities against $1.0M.
$0 net loans and leases against $0; $1.0M total deposits against $1.0M.
$0 securities against $0; $8.0M cash and balances due against $8.0M.
$2K total interest income against $2K; $0 total interest expense against $0.
$2K net interest income against $2K.
$0 total noninterest income against $0; -$14K total noninterest expense against -$14K.
No provision recorded in the last 12 quarters.
$12K net income against $12K.
0.58% return on assets against 0.59%; 4.52% net interest margin against 4.52%.
446.89% CET1 capital ratio against 445.97%; 87.50% tier 1 leverage ratio against 87.69%.
Inside the full BMO Harris Central N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.20% (Q1 2025) to 0.68% (Q4 2025) and its net interest margin ran from 4.52% (Q2 2025) to 6.78% (Q3 2024).
| 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
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 378 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is BMO Harris Central N.A. headquartered?
It is headquartered in Roselle, IL, United States.
When was BMO Harris Central N.A. founded?
It was established in 2005, per the FDIC institution directory.
Is BMO Harris Central N.A. FDIC-insured?
Yes. It 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.
What is BMO Harris Central N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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