BMO 2026-5C16 Mortgage Trust

Tranches, pool and monthly delinquency indicator for BMO 2026-5C16 Mortgage Trust.

Data as of loan data through September 2026; ratings as held in the dataset at build

Current pool balance: $773.5M (September 2026)
Original pool balance: $773.5M
Loans at issuance: 25
Closing date: 2026-08-01
Weighted average coupon at issuance: 7.11%
Weighted average LTV at issuance: 37.8%
30+ delinquent (latest): 0.00%
Realized stress score: 4.8
Net rating change since issuance: not yet reported

Tranches

Class	Original balance	Credit support (computed)	Coupon	CUSIP	Fitch	KBRA	S&P	Moody's	DBRS
A-1	$878,000	99.89%	5.038% fixed	05595PAA2	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
A-3	$540.6M	30.00%	5.963% fixed	05595PAC8	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
A-S	$42.5M	24.50%	6.225% floating (WAC)	05595PAF1	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
B	$44.5M	18.75%	6.576% floating (WAC)	05595PAG9	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
C	$34.8M	14.25%	6.366% floating (WAC)	05595PAH7	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
D	$31.9M	10.13%	4.500% fixed	05595PAN4	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
E	$7.7M	9.13%	7.330% floating (WAC)	05595PAQ7	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
F-RR	$12.6M	7.50%	7.330% floating (WAC)	05595PAT1	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
G-RR	$14.5M	5.63%	7.330% floating (WAC)	05595PAV6	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
J-RR	$43.5M	0.00%	7.330% floating (WAC)	05595PAX2	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
R	not yet reported	not yet reported	not yet reported	05595PAY0	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
X-A	$541.5M	Interest only	1.369% floating	05595PAD6	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
X-B	$121.8M	Interest only	0.937% floating	05595PAE4	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported
X-D	$31.9M	Interest only	2.830% floating	05595PAJ3	not yet reported	not yet reported	not yet reported	not yet reported	not yet reported

Credit support is computed from the class stack order in the prospectus: the share of the deal's principal balance in classes junior to the class. Interest-only classes carry a notional balance and no principal support figure. Ratings are the latest held in the dataset for each class and agency; NR means the agency shows the class as not rated, WR that the rating was withdrawn, PIF that the class has been paid in full. Any other status value is shown exactly as the agency reports it. A + after a CUSIP marks a class with companion CUSIPs in the dataset.

Pool at issuance

Loans	25
Original loan balance	$773.6M
Weighted average coupon	7.11%
Weighted average LTV	37.8%
Median loan LTV	31.0%
Full-term interest only (share of balance)	97.7%
Balloon loans (share of balance)	100.0%
Largest loan (share of balance)	10.0%
Five largest loans (share of balance)	41.7%
Occupancy at issuance (weighted average)	92.5%

Realized outcomes

Months reported	2
Peak 30+ delinquency	0.00% (August 2026)
Ever severe (share of original balance)	0.00%
Ever modified (share of original balance)	0.00%
Past scheduled maturity (share of original balance)	0.00%
Non-performing matured (share of original balance)	34.19%
Maximum servicer advances (share of balance)	0.00%
Median DSCR, first year	2.16
Median DSCR, latest	2.16
Realized stress score	4.8

Property types

Property type	Original balance	Share of pool
Office	$236.8M	30.6%
Retail	$153.5M	19.8%
Industrial	$142.2M	18.4%
Multifamily	$123.2M	15.9%
Lodging	$73.0M	9.4%
Mixed use	$45.0M	5.8%

Property type is reported for 100.0% of the pool balance; shares are of the full pool.

Largest loans

Property	Location	Original balance	Share of pool	Coupon	Originated
["9295 & 9315 Prototype Drive", "3700 S. Kedzie Avenue", "401 East Elm Street", "1351 S. Wheeling Road", "4400 West 35th Place", "Cannon Industrial Portfolio", "1900 S. 25th Avenue"]	["Reno", "Chicago", "Clyde", "Wheeling", "Chicago", "Chicago", "Chicago"], ["NV", "IL", "OH", "IL", "IL", "IL", "IL"]	$77.0M	10.0%	6.24%	2026
Queens Atrium - 30-20 Thompson Ave	Long Island City, NY	$77.0M	10.0%	8.15%	2026
Deptford Mall	Deptford, NJ	$71.5M	9.2%	6.95%	2026
Doral Center	Doral, FL	$53.5M	6.9%	7.35%	2026
Shore Front Parkway Apartments	Rockaway, NY	$43.5M	5.6%	6.56%	2026

Delinquency and stress indicator

▬ 30+ days delinquent · ▬ Distressed (90+, foreclosure, REO, non-performing matured)

Monthly shares of the deal's reported balance, from the deal indicator series in the dataset. Months in which fewer than half of the reported loans carry a delinquency status code are not plotted.

Ratings

Classes with a CUSIP	14 of 14
Classes with a current rating in the dataset	0 of 14
Net rating change since issuance	not yet reported
Delinquency threshold crossed	Not crossed in the dataset
First downgrade	None recorded

Sources: SEC Form ABS-EE asset-level reports, Form 10-D distribution reports and the deal prospectus; rating histories published under SEC Rule 17g-7(b) and agency releases. Definitions are in the methods note on the market page.