BMO Harris Central N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Common equity Tier 1 ratio rose 1.30 percentage points in Q2 2026 to 446.89%, the biggest move on this page. As of Q2 2026, BMO Harris Central N.A. ranks first in Illinois on CET1 ratio among 198 banks, at 446.89%. BMO Harris Central N.A.'s CET1 ratio of 446.89% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 427.32 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 446.89% |
| Tier 1 risk-based capital ratio | 446.89% |
| Total risk-based capital ratio | 446.89% |
| Tier 1 leverage ratio | 87.50% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.2M |
| Tier 1 capital | $7.2M |
| Total risk-based capital | $7.2M |
| Total equity capital | $7.2M |
| Risk-weighted assets | $1.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 87.46% |
| Tangible equity to tangible assets | 87.46% |
| Equity capital to average assets | 87.50% |
| Internal capital growth rate | 0.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $3.8M |
| Retained earnings | $1.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 445.57% | 445.57% | 445.57% | 87.35% | $1.6M |
| Q4 2023 | 446.16% | 446.16% | 446.16% | 87.38% | $1.6M |
| Q1 2024 | 445.42% | 445.42% | 445.42% | 87.33% | $1.6M |
| Q2 2024 | 446.05% | 446.05% | 446.05% | 87.38% | $1.6M |
| Q3 2024 | 446.14% | 446.14% | 446.14% | 87.39% | $1.6M |
| Q4 2024 | 403.85% | 403.85% | 403.85% | 87.76% | $1.8M |
| Q1 2025 | 403.62% | 403.62% | 403.62% | 89.59% | $1.8M |
| Q2 2025 | 445.97% | 445.97% | 445.97% | 87.69% | $1.6M |
| Q3 2025 | 445.64% | 445.64% | 445.64% | 87.30% | $1.6M |
| Q4 2025 | 446.23% | 446.23% | 446.23% | 87.38% | $1.6M |
| Q1 2026 | 445.59% | 445.59% | 445.59% | 87.40% | $1.6M |
| Q2 2026 | 446.89% | 446.89% | 446.89% | 87.50% | $1.6M |
BMO Harris Central N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BMO Harris Central N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full BMO Harris Central N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58216) · FFIEC NIC profile (RSSD 3353154)