Bmo Bank National Assn (FDIC #16571): Bank Stress & Real-Estate Credit Exposure
Bmo Bank National Assn (FDIC Cert #16571): bank stress 72/100, elevated, STABLE over 7 days; parent BANK OF MONTREAL.
Bmo Bank National Assn (#16571) lends in 259 counties across 23 states; Bmo Bank National Assn (#16571) reaches 5,789 ZIP codes: Wisconsin 40 counties, 582 ZIPs; California 31 counties, 1,448 ZIPs; Colorado 23 counties, 311 ZIPs; Minnesota 21 counties, 364 ZIPs; Nebraska 15 counties, 208 ZIPs; Wyoming 15 counties, 139 ZIPs.
Bmo Bank National Assn (#16571) largest markets: Los Angeles County, CA (14,288 branches, 304 ZIPs) (#16571), Cook County, IL (14,952 branches, 178 ZIPs) (#16571), Maricopa County, AZ (5,460 branches, 140 ZIPs) (#16571), San Diego County, CA (464 branches, 116 ZIPs) (#16571), San Bernardino County, CA (300 branches, 100 ZIPs) (#16571), Dallas County, TX (95 branches, 95 ZIPs) (#16571).
Bmo Bank National Assn (#16571) reports $254.97 billion in total assets; Bmo Bank National Assn (#16571) equity $36.44 billion (14.3% of Bmo Bank National Assn (#16571) assets); Bmo Bank National Assn (#16571) domestic deposits $194.14 billion; Bmo Bank National Assn (#16571) net income $184.4 million; Bmo Bank National Assn (#16571) return on assets 0.15%; Bmo Bank National Assn (#16571) return on equity 0.99%; Bmo Bank National Assn (#16571) net interest income $3.69 billion; Bmo Bank National Assn (#16571) call report June 30, 2026.
Bmo Bank National Assn (#16571) noncurrent real-estate loans 0.01% of its book; Bmo Bank National Assn (#16571) residential 0.01%; Bmo Bank National Assn (#16571) net charge-offs on real estate 0.94%; Bmo Bank National Assn (#16571) multifamily charge-offs 0.35%; Bmo Bank National Assn (#16571) residential charge-offs 1.17%.
Bmo Bank National Assn (#16571) net interest margin 3.28% against an eight-quarter Bmo Bank National Assn (#16571) average of 3.17% (Bmo Bank National Assn (#16571) compression -0.11 points); Bmo Bank National Assn (#16571) real-estate loans 1.0% of equity; Bmo Bank National Assn (#16571) non-residential real estate 117.5% of equity; Bmo Bank National Assn (#16571) rate-exposure score 50/100, Bmo Bank National Assn (#16571) fixed-rate trap 50/100; Bmo Bank National Assn (#16571) risk type credit driven; Bmo Bank National Assn (#16571) rate regime rates elevated, Bmo Bank National Assn (#16571) snapshot October 19, 2026.
Bmo Bank National Assn (#16571) stress score moved from 48.3 on June 22, 2026 to 72.4 on October 19, 2026; Bmo Bank National Assn (#16571) ranged 48.3 to 72.4 over 116 snapshots.
Bmo Bank National Assn (#16571) alerts: 39 counties; top Bmo Bank National Assn (#16571) alert scores: Boone County, IL 54 (elevated); Carroll County, IL 53 (elevated); Marion County, IL 50 (elevated); Jackson County, IL 44 (moderate); Douglas County, IL 40 (moderate).