TellerScore

BMO Harris Central National Association (FDIC certificate #58216) is based in Roselle, Illinois. Its Q2 2026 call report shows $8.2M in total assets and $1.0M in deposits and 1 office.

Based on its Q2 2026 filing, BMO Harris Central National Association scores 83/100, which we describe as strong. That is higher than 73% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 52nd. Its strongest component is capital cushion (100/100; 87.50%), and its lowest is earnings (43/100; 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 87.50%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 0.0% · 50.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (81 → 83), mostly because the earnings component improved by 7 points.

TellerScore
808283Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202481
Q4 202481
Q1 202580
Q2 202581
Q3 202581
Q4 202582
Q1 202683
Q2 202683
Tier 1 leverage ratio
5.00%47.30%89.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202487.38%
Q3 202487.39%
Q4 202487.76%
Q1 202589.59%
Q2 202587.69%
Q3 202587.30%
Q4 202587.38%
Q1 202687.40%
Q2 202687.50%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.20%0.39%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.39%
Q3 20240.36%
Q4 20240.37%
Q1 20250.20%
Q2 20250.39%
Q3 20250.39%
Q4 20250.46%
Q1 20260.58%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$8.2M87.50%0.00%0.58%0.0%
Q1 202683$8.2M87.40%0.00%0.58%0.0%
Q4 202582$8.2M87.38%0.00%0.46%0.0%
Q3 202581$8.2M87.30%0.00%0.39%0.0%
Q2 202581$8.2M87.69%0.00%0.39%0.0%
Q1 202580$8.2M89.59%0.00%0.20%0.0%
Q4 202481$8.2M87.76%0.00%0.37%0.0%
Q3 202481$8.1M87.39%0.00%0.36%0.0%
Q2 202481$8.1M87.38%0.00%0.39%0.0%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio87.50%
98th
Total risk-based capital446.89%
100th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets0.58%
30th
Net interest margin0.00%
0th
Efficiency ratio-700.0%
100th
Loans to deposits0.0%
98th
Uninsured deposits50.0%
4th
Loan-loss reserves0.00%
2nd
Texas ratio0.0%
85th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Grand Rivers Community BankBank Grand Chain, IL21 out of 100, Low$15.1M8.4%19.04%vs
Hartsburg State BankBank Hartsburg, IL73 out of 100, Strong$18.1M11.5%0.20%vs
Farmers State Bank of MedoraBank Medora, IL69 out of 100, Moderate$20.4M15.5%1.70%vs
Chesterfield State BankBank Chesterfield, IL43 out of 100, Below average$21.7M8.2%11.20%vs
Peoples Bank of MaconBank Macon, IL82 out of 100, Strong$22.7M13.6%0.00%vs
Sainte Marie State BankBank Sainte Marie, IL76 out of 100, Strong$23.0M15.8%0.31%vs

Deposit insurance

Is my money safe at BMO Harris Central National Association?

Yes. BMO Harris Central National Association is an FDIC-insured institution (FDIC certificate #58216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 50.0% of deposits ($500K) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 87.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 446.89% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

BMO Harris Central National Association lists 1 office in 1 city. Most locations:

  • Roselle, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, BMO Harris Central National Association reported 33,085 home-loan applications under HMDA (LEI 3Y4U8VZURTYWI1W2K376): 16,529 originated ($6,715,305,000 total), 11,613 denied, and 4,396 withdrawn or closed by the applicant. Its denial rate on decided applications was 40.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
BMO Harris Central National Association
Former names
Harris Central National Association
Type
National bank
FDIC certificate #
58216
RSSD ID
3353154
Primary regulator
OCC
Holding company
Bank of Montreal
Established
May 28, 2005
Headquarters
110 E Irving Park Rd, Roselle, IL 60172
0

Quick answers

BMO Harris Central National Association: common questions

Is BMO Harris Central National Association FDIC insured?

Yes. BMO Harris Central National Association is an FDIC-insured institution (FDIC certificate #58216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BMO Harris Central National Association's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has BMO Harris Central National Association ever failed?

There is no failure record for FDIC certificate #58216 in the FDIC failed bank list.

How many branches does BMO Harris Central National Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Roselle

InstitutionScoreAssetsCapitalProblem loansCompare
Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL100 out of 100, Very strong$10.0M19.4%0.00%vs
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs
Aurora Firefighters' Credit UnionCredit union Aurora, IL93 out of 100, Very strong$2.7M16.1%0.00%vs
Policemen'S Federal Credit UnionCredit union South Bend, IN92 out of 100, Very strong$95.5M16.4%0.29%vs