BMO Harris Central N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Between Q1 2026 and Q2 2026, none of the key lines on this page moved by much; the largest change was in Yield on earning assets, from 4.52% to 4.52%. BMO Harris Central N.A. ranks 39th of 323 Illinois banks on net interest margin, in the upper half at 4.52% (Q2 2026). BMO Harris Central N.A. reported 4.52% on net interest margin for Q2 2026, 0.63 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.52% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.00% |
| Cost of interest-bearing deposits | — |
| Cost of interest-bearing liabilities | — |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.52% |
| Yield to cost spread | — |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 6.78% | 0.00% | 6.78% |
| Q4 2023 | 4.52% | 0.00% | 4.52% |
| Q1 2024 | 9.04% | 0.00% | 9.04% |
| Q2 2024 | 4.52% | 0.00% | 4.52% |
| Q3 2024 | 6.78% | 0.00% | 6.78% |
| Q4 2024 | 6.78% | 0.00% | 6.78% |
| Q1 2025 | 6.78% | 0.00% | 6.78% |
| Q2 2025 | 4.52% | 0.00% | 4.52% |
| Q3 2025 | 4.52% | 0.00% | 4.52% |
| Q4 2025 | 6.78% | 0.00% | 6.78% |
| Q1 2026 | 4.52% | 0.00% | 4.52% |
| Q2 2026 | 4.52% | 0.00% | 4.52% |
BMO Harris Central N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BMO Harris Central N.A., freeSource: Call Report Schedules RI and RC-K, 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)