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BMO Bank National Association
Chicago, IL·FDIC Cert #16571·Charter: OCC·Est. 19470517.0·HC: BANK OF MONTREAL
Total Assets
$252.1B
Q4 2025
Return on Assets
0.95%
+0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.85%
Peer avg: 53.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.95%+0.03
ROE
6.74%+0.16
Efficiency
53.85%+0.28
Equity/Assets
0.00%+0.00
NPL Ratio
1.09%-0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
69.83%-0.50
Charge-offs
0.35%-0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 0.8 | 1.2 | 1.1 | 0.7 | 0.8 | 0.9 | 1.0 |
| ROE | 8.3 | 6.3 | 9.1 | 8.6 | 4.9 | 6.2 | 6.6 | 6.7 |
| Efficiency | 56.0 | 55.2 | 41.0 | 43.9 | 54.4 | 54.1 | 53.6 | 53.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.2 | 1.2 | 1.0 | 1.3 | 1.4 | 1.3 | 1.1 | 1.1 |
| Charge-offs | 0.4 | 0.4 | 0.6 | 0.5 | 0.4 | 0.3 | 0.4 | 0.4 |
| Loan/Deposit | 70.0 | 70.8 | 69.3 | 69.4 | 70.3 | 70.3 | 70.3 | 69.8 |
Balance Sheet
Total Assets$252.1B
Total Deposits$197.0B
Total Loans$137.6B
Total Equity$37.4B
Profitability
ROA0.95%
ROE6.74%
Efficiency Ratio53.85%
Net Income$2.4B
Risk & Asset Quality
NPL Ratio1.09%
Charge-off Rate0.35%
Loan/Deposit69.83%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans