$140B
−3.1%y/y
Percentile by value90th percentileby value
FDIC
LNLSGRBB
BMO Bank National Association
Chicago, IllinoisFDIC Cert #16571
OCCEstablished 1947990 branches
Holding company: BANK OF MONTREALRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $8.26B |
| Investor CRE | $12.8B |
| Multifamily | $2.53B |
| Construction | $4.56B |
| 1–4 family | $27.9B |
| C&I | $43.7B |
| Agriculture | $2.52B |
| Other | $38.1B |
Loan book
Reported balances and balance-sheet intensity.
$138B
−3.1%y/y
Percentile by value90th percentileby value
FDIC
LNLSNET−3.07%
−47.2%y/y
Percentile by value6th percentileby value
FDIC
LNLSNET71.2%
+1.2%y/y
Percentile by value26th percentileby value
FDIC
LNLSNET + DEP54.8%
−1.1%y/y
Percentile by value19th percentileby value
FDIC
LNLSNET + ASSET43.54%
+3.1%y/y
Percentile by value31st percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
67%
+2.0%y/y
Percentile by value27th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC15%
−20.6%y/y
Percentile by value39th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,510points
+0.5%y/y
Peer standing63rd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD5.88%
−4.9%y/y
Percentile by value43rd percentileby value
FDIC
LNRENROW + LNLSGR9.10%
+20.0%y/y
Percentile by value35th percentileby value
FDIC
LNRENROT + LNLSGR31.16%
−1.1%y/y
Percentile by value89th percentileby value
FDIC
LNCI + LNLSGR