BlastPoint's Banking Scorecard
BMO Bank National Association
Titans
Specialty: Commercial
IL
FDIC cert 16571
Chicago, IL
16
banks in Titans tier nationally
1 in IL
View Titans leaderboard (IL) →
BMO Bank National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1% in Titans
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$252.1B
-4.4% YoY
+1.1% QoQ
|
-$700.3B |
$952.4B
-3.6% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$137.6B
-5.8% YoY
+0.4% QoQ
|
-$280.9B |
$418.5B
-0.2% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$197.0B
-6.5% YoY
+1.1% QoQ
|
-$542.8B |
$739.8B
-3.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.95%
-13.7% YoY
+3.6% QoQ
|
-0.16% |
1.11%
+7.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.24%
+4.9% YoY
+1.0% QoQ
|
+0.77% |
2.47%
+1.2% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
53.85%
+22.7% YoY
+0.5% QoQ
|
-2.02% |
55.86%
+1.9% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
1.09%
-16.6% YoY
-4.9% QoQ
|
+0.23% |
0.86%
-12.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
69.83%
+0.7% YoY
-0.7% QoQ
|
+14.15% |
55.68%
+5.4% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
22.75%
+7.6% YoY
-1.3% QoQ
|
+7.96% |
14.80%
-14.8% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.61%
-18.3% YoY
-5.9% QoQ
|
+0.17% |
0.44%
-9.5% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
14.75%
+11.2% YoY
+0.0% QoQ
|
-0.76% |
15.52%
+8.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.63%
+16.3% YoY
+32.1% QoQ
|
-0.62% |
1.25%
-5.5% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#1 of 3 · Bottom 1% in Titans
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.95%
(Tier: 1.11%, National: 1.12%)
3 of 3 Titans banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 2.47%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 22.75% · Tier avg: 14.80%
69
69th pctile
Loan-to-Deposit Ratio
Current: 69.83% · Tier avg: 55.68%
56
56th pctile
Efficiency Ratio
Current: 53.85% · Tier avg: 55.86%
50
50th pctile
Tier 1 Capital Ratio
Current: 14.75% · Tier avg: 15.52%
38
38th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.11%
38
38th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.86%
31
31th pctile
Total Loans
Current: $137.6B · Tier avg: $418.5B
31
31th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.44%
25
25th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 1.25%
6
6th pctile
Total Assets
Current: $252.1B · Tier avg: $952.4B
6
6th pctile
Total Deposits
Current: $197.0B · Tier avg: $739.8B
Top Weaknesses
6
6th pctile
Total Deposits
Current: $197.0B · Tier avg: $739.8B
6
6th pctile
Total Assets
Current: $252.1B · Tier avg: $952.4B
25
25th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 1.25%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.44%
31
31th pctile
Total Loans
Current: $137.6B · Tier avg: $418.5B
38
38th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.86%
38
38th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.11%
50
50th pctile
Tier 1 Capital Ratio
Current: 14.75% · Tier avg: 15.52%
56
56th pctile
Efficiency Ratio
Current: 53.85% · Tier avg: 55.86%
69
69th pctile
Loan-to-Deposit Ratio
Current: 69.83% · Tier avg: 55.68%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 22.75% · Tier avg: 14.80%
88
88th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 2.47%