BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

STATEMENT TO NOTEHOLDERS

February 18, 2026


TRANSACTION PARTIES


Depositor:	BMO Commercial Mortgage Securities LLC
Master Servicer:	Trimont LLC
Special Servicer:	Rialto Capital Advisors, LLC
Asset Representations Reviewer /
Pentalpha Surveillance LLC
Operating Advisor:
Trustee / Certificate Administrator:	Citibank, N.A.




Danny Lee		Citibank, Agency and Trust
(212) 816-4936		388 Greenwich Street Trading, 4th Floor
danny1.lee@citi.com		New York, NY 10013


TABLE OF CONTENTS


1	.	Distribution Summary	2
1.1	.	Summary	2
1.2	.	Factors	3
2	.	Distribution Detail	4
2.1	.	Interest Detail	4
2.2	.	Interest Shortfall Detail	5
2.3	.	Principal Detail	6
3	.	Reconciliation Detail	7
4	.	Other Information	8
5	.	Stratification Detail	9
6	.	Mortgage Loan Detail	14
7	.	NOI Detail	16
8	.	Delinquency Loan Detail	18
9	.	Collateral Performance Delinquency and Loan Status Detail	19
10	.	Appraisal Reduction Detail	20
11	.	Historical Appraisal Reduction Detail	21
12	.	Loan Modification Detail	22
13	.	Historical Loan Modification Detail	23
14	.	Specially Serviced Loan Detail	24
15	.	Historical Specially Serviced Loan Detail	25
16	.	Unscheduled Principal Detail	26
17	.	Historical Unscheduled Principal Detail	27
18	.	Liquidated Loan Detail	28
19	.	Historical Liquidated Loan Detail	29
20	.	CREFC Investor Reporting Package Legends	30
21	.	Notes	31


Reports Available at sf.citidirect.com	v. 21.09.28	Page 1 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

DISTRIBUTION SUMMARY

February 18, 2026


											Accretion
											&
											Non-Cash
					Accrual		Other				Balance
	Original	Prior	Pass-Through		Day	Interest	(As Interest)	Principal	Total	Realized Loss	Increase/		Current
Class	Balance	Balance	Rate		Count	Distributed	Distributed	Distributed	Distributed	/(Recovery)	(Decrease)		Balance

A-1	9,909,000.00	9,158,137.27	4.903330	%	30/360	37,421.14	-	100,112.59	137,533.73	-	-		9,058,024.68
A-4	90,000,000.00	90,000,000.00	5.573170	%	30/360	417,987.75	-	-	417,987.75	-	-		90,000,000.00
A-5	326,456,000.00	326,456,000.00	5.870580	%	30/360	1,597,071.72	-	-	1,597,071.72	-	-		326,456,000.00
A-SB	13,767,000.00	13,767,000.00	5.761980	%	30/360	66,104.32	-	-	66,104.32	-	-		13,767,000.00
A-S	64,448,000.00	64,448,000.00	6.195100	%	30/360	332,718.17	-	-	332,718.17	-	-		64,448,000.00
B	31,439,000.00	31,439,000.00	6.405183	%	30/360	167,810.45	-	-	167,810.45	-	-		31,439,000.00
C	25,936,000.00	25,936,000.00	6.393183	%	30/360	138,177.99	-	-	138,177.99	-	-		25,936,000.00
D	13,361,000.00	13,361,000.00	4.500000	%	30/360	50,103.75	-	-	50,103.75	-	-		13,361,000.00
E	7,074,000.00	7,074,000.00	4.500000	%	30/360	26,527.50	-	-	26,527.50	-	-		7,074,000.00
F-RR	14,147,000.00	14,147,000.00	4.500000	%	30/360	53,051.25	-	-	53,051.25	-	-		14,147,000.00
G-RR	8,645,000.00	8,645,000.00	4.500000	%	30/360	32,418.75	-	-	32,418.75	-	-		8,645,000.00
J-RR	23,579,318.00	23,579,318.00	4.500000	%	30/360	87,278.71	-	-	87,278.71	-	-		23,579,318.00
Uncert VRR	12,112,516.00	12,098,051.32	0.000000	%	30/360	65,742.97	-	1,928.58	67,671.55	-	-		12,096,122.74
R	-	-	0.000000	%	30/360	-	-	-	-	-	-		-
Total	640,873,834.00	640,108,506.59				3,072,414.47	-	102,041.17	3,174,455.64	-	-		640,006,465.42
Notional
X-A	440,132,000.00	439,381,137.27	0.738086	%	30/360	270,250.70	-	-	270,250.70	-	(100,112.59	)	439,281,024.68
X-B	121,823,000.00	121,823,000.00	0.232695	%	30/360	23,622.98	-	-	23,622.98	-	-		121,823,000.00
X-D	20,435,000.00	20,435,000.00	2.024183	%	30/360	34,470.15	-	-	34,470.15	-	-		20,435,000.00
XFRR	14,147,000.00	14,147,000.00	2.024183	%	30/360	23,863.43	-	-	23,863.43	-	-		14,147,000.00
XGRR	8,645,000.00	8,645,000.00	2.024183	%	30/360	14,582.55	-	-	14,582.55	-	-		8,645,000.00
XJRR	23,579,318.00	23,579,318.00	2.024183	%	30/360	39,259.56	-	-	39,259.56	-	-		23,579,318.00
Total	628,761,318.00	628,010,455.27				406,049.37	-	-	406,049.37	-	(100,112.59	)	627,910,342.68

Grand Total	1,269,635,152	1,268,118,962				3,478,463.84	-	102,041.17	3,580,505.01	-	(100,112.59	)	1,267,916,808


Reports Available at sf.citidirect.com	v. 21.09.28	Page 2 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

DISTRIBUTION SUMMARY - FACTORS

February 18, 2026


									Accretion
									&
									Non-Cash
					Other				Balance
			Record	Interest	(As Interest)	Principal	Total	Realized Loss	Increase/	Current
Class	CUSIP		Date	Distributed	Distributed	Distributed	Distributed	/(Recovery)	(Decrease)	Balance

A-1	05615	DAA5	01/30/2026	3.77647997	-	10.10319810	13.87967807	-	-	914.12096882
A-4	05615	DAB3	01/30/2026	4.64430833	-	-	4.64430833	-	-	1,000.00000000
A-5	05615	DAC1	01/30/2026	4.89215000	-	-	4.89215000	-	-	1,000.00000000
A-SB	05615	DAD9	01/30/2026	4.80165032	-	-	4.80165032	-	-	1,000.00000000
X-A	05615	DAE7	01/30/2026	0.61402193	-	-	0.61402193	-	-	998.06654522
A-S	05615	DAG2	01/30/2026	5.16258332	-	-	5.16258332	-	-	1,000.00000000
B	05615	DAH0	01/30/2026	5.33765228	-	-	5.33765228	-	-	1,000.00000000
C	05615	DAJ6	01/30/2026	5.32765230	-	-	5.32765230	-	-	1,000.00000000
X-B	05615	DAF4	01/30/2026	0.19391232	-	-	0.19391232	-	-	1,000.00000000
D	05615DAM9 U0903EAB0		01/30/2026	3.75000000	-	-	3.75000000	-	-	1,000.00000000
E	05615DAP2 U0903EAC8		01/30/2026	3.75000000	-	-	3.75000000	-	-	1,000.00000000
X-D	05615DAK3 U0903EAA2		01/30/2026	1.68681918	-	-	1.68681918	-	-	1,000.00000000
F-RR	05615	DAR8	01/30/2026	3.75000000	-	-	3.75000000	-	-	1,000.00000000
XFRR	05615	DAT4	01/30/2026	1.68681911	-	-	1.68681911	-	-	1,000.00000000
G-RR	05615	DAV9	01/30/2026	3.75000000	-	-	3.75000000	-	-	1,000.00000000
XGRR	05615	DAX5	01/30/2026	1.68681897	-	-	1.68681897	-	-	1,000.00000000
J-RR	05615	DAZ0	01/30/2026	3.70149425	-	-	3.70149425	-	-	1,000.00000000
XJRR	05615	DBB2	01/30/2026	1.66499981	-	-	1.66499981	-	-	1,000.00000000
Uncert VRR	25C12UVRR		01/30/2026	5.42768901	-	0.15922208	5.58691109	-	-	998.64658507
R	05615	DBD8	01/30/2026	-	-	-	-	-	-	-


Reports Available at sf.citidirect.com	v. 21.09.28	Page 3 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

DISTRIBUTION INFORMATION - INTEREST DETAIL

February 18, 2026


			Rate					Interest			Shortfall				Paid
															Cap
							Accrual	Net	Accreted	Non	Carry	Cap Carryover			Carryover
Class	Uncapped Capped				Next		Dates	Accrued	/Deferred	Recovered	Forward	/Basis Risk	Accrued	Carry Forward /Basis Risk		Total

A-1	4.90333	%	4.90333	%	4.90333	%	01/01-01/31	37,421.14	-	-	-	-	37,421.14	-	-	37,421.14
A-4	5.57317	%	5.57317	%	5.57317	%	01/01-01/31	417,987.75	-	-	-	-	417,987.75	-	-	417,987.75
A-5	5.87058	%	5.87058	%	5.87058	%	01/01-01/31	1,597,071.72	-	-	-	-	1,597,071.72	-	-	1,597,071.72
A-SB	5.76198	%	5.76198	%	5.76198	%	01/01-01/31	66,104.32	-	-	-	-	66,104.32	-	-	66,104.32
A-S	6.19510	%	6.19510	%	6.19510	%	01/01-01/31	332,718.17	-	-	-	-	332,718.17	-	-	332,718.17
B	6.40518	%	6.40518	%	6.40518	%	01/01-01/31	167,810.45	-	-	-	-	167,810.45	-	-	167,810.45
C	6.39318	%	6.39318	%	6.39318	%	01/01-01/31	138,177.99	-	-	-	-	138,177.99	-	-	138,177.99
D	4.50000	%	4.50000	%	4.50000	%	01/01-01/31	50,103.75	-	-	-	-	50,103.75	-	-	50,103.75
E	4.50000	%	4.50000	%	4.50000	%	01/01-01/31	26,527.50	-	-	-	-	26,527.50	-	-	26,527.50
F-RR	4.50000	%	4.50000	%	4.50000	%	01/01-01/31	53,051.25	-	-	-	-	53,051.25	-	-	53,051.25
G-RR	4.50000	%	4.50000	%	4.50000	%	01/01-01/31	32,418.75	-	-	-	-	32,418.75	-	-	32,418.75
J-RR	4.50000	%	4.50000	%	4.50000	%	01/01-01/31	88,422.44	-	-	1,143.73	-	87,278.71	-	-	87,278.71
Uncert VRR	0.00000	%	0.00000	%	0.00000	%	01/01-01/31	65,742.97	-	-	-	-	65,742.97	-	-	65,742.97
R	0.00000	%	0.00000	%	0.00000	%	01/01-01/31	-	-	-	-	-	-	-	-	-
Total								3,073,558.20	-	-	1,143.73	-	3,072,414.47	-	-	3,072,414.47
Notional
X-A	0.73809	%	0.73809	%	0.73809	%	01/01-01/31	270,250.70	-	-	-	-	270,250.70	-	-	270,250.70
X-B	0.23269	%	0.23269	%	0.23269	%	01/01-01/31	23,622.98	-	-	-	-	23,622.98	-	-	23,622.98
X-D	2.02418	%	2.02418	%	2.02418	%	01/01-01/31	34,470.15	-	-	-	-	34,470.15	-	-	34,470.15
XFRR	2.02418	%	2.02418	%	2.02418	%	01/01-01/31	23,863.43	-	-	-	-	23,863.43	-	-	23,863.43
XGRR	2.02418	%	2.02418	%	2.02418	%	01/01-01/31	14,582.55	-	-	-	-	14,582.55	-	-	14,582.55
XJRR	2.02418	%	2.02418	%	2.02418	%	01/01-01/31	39,774.04	-	-	514.48	-	39,259.56	-	-	39,259.56
Total								406,563.85	-	-	514.48	-	406,049.37	-	-	406,049.37

Grand Total								3,480,122.05	-	-	1,658.21	-	3,478,463.84	-	-	3,478,463.84


Reports Available at sf.citidirect.com	v. 21.09.28	Page 4 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

DISTRIBUTION INFORMATION - INTEREST SHORTFALL DETAIL

February 18, 2026


												Cap Carryover /
	Non-Recov Shortfall					Carry Forward Interest					Basis Risk Shortfall
			Other
Class	PPIS	SSRA	Shortfall	Prior		Int. on Prior	New	Paid	Outstanding	Prior	Int. on Prior	New	Paid	Outstanding

A-1	-	-	-	-		-	-	-	-	-	-	-	-	-
A-4	-	-	-	-		-	-	-	-	-	-	-	-	-
A-5	-	-	-	-		-	-	-	-	-	-	-	-	-
A-SB	-	-	-	-		-	-	-	-	-	-	-	-	-
A-S	-	-	-	-		-	-	-	-	-	-	-	-	-
B	-	-	-	-		-	-	-	-	-	-	-	-	-
C	-	-	-	-		-	-	-	-	-	-	-	-	-
D	-	-	-	-		-	-	-	-	-	-	-	-	-
E	-	-	-	-		-	-	-	-	-	-	-	-	-
F-RR	-	-	-	-		-	-	-	-	-	-	-	-	-
G-RR	-	-	-	-		-	-	-	-	-	-	-	-	-
J-RR	-	-	-		0.05	-	1,143.73	-	1,143.78	-	-	-	-	-
Uncert VRR	-	-	-	-		-	-	-	-	-	-	-	-	-
R	-	-	-	-		-	-	-	-	-	-	-	-	-
Total	-	-	-		0.05	-	1,143.73	-	1,143.78	-	-	-	-	-
Notional
X-A	-	-	-	-		-	-	-	-	-	-	-	-	-
X-B	-	-	-	-		-	-	-	-	-	-	-	-	-
X-D	-	-	-	-		-	-	-	-	-	-	-	-	-
XFRR	-	-	-	-		-	-	-	-	-	-	-	-	-
XGRR	-	-	-	-		-	-	-	-	-	-	-	-	-
XJRR	-	-	-		0.02	-	514.48	-	514.50	-	-	-	-	-
Total	-	-	-		0.02	-	514.48	-	514.50	-	-	-	-	-

Grand Total	-	-	-		0.07	-	1,658.21	-	1,658.28	-	-	-	-	-


Reports Available at sf.citidirect.com	v. 21.09.28	Page 5 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

DISTRIBUTION INFORMATION - PRINCIPAL DETAIL

February 18, 2026


					Accretion
					&
					Non-Cash
					Balance		Cumulative
	Prior	Principal	Accreted	Realized Loss	Increase/	Current	Realized	Class %		Class %		Sub %		Sub %
Class	Balance	Distributed	Principal	/(Recovery)	(Decrease)	Balance	Loss	Original		Current		Original		Current

A-1	9,158,137.27	100,112.59	-	-	-	9,058,024.68	-	0.00	%	1.42	%	0.00	%	30.04	%
A-4	90,000,000.00	-	-	-	-	90,000,000.00	-	0.00	%	14.06	%	0.00	%	30.04	%
A-5	326,456,000.00	-	-	-	-	326,456,000.00	-	0.00	%	51.01	%	0.00	%	30.04	%
A-SB	13,767,000.00	-	-	-	-	13,767,000.00	-	0.00	%	2.15	%	0.00	%	30.04	%
A-S	64,448,000.00	-	-	-	-	64,448,000.00	-	0.00	%	10.07	%	0.00	%	19.78	%
B	31,439,000.00	-	-	-	-	31,439,000.00	-	0.00	%	4.91	%	0.00	%	14.77	%
C	25,936,000.00	-	-	-	-	25,936,000.00	-	0.00	%	4.05	%	0.00	%	10.64	%
D	13,361,000.00	-	-	-	-	13,361,000.00	-	0.00	%	2.09	%	0.00	%	8.51	%
E	7,074,000.00	-	-	-	-	7,074,000.00	-	0.00	%	1.11	%	0.00	%	7.39	%
F-RR	14,147,000.00	-	-	-	-	14,147,000.00	-	0.00	%	2.21	%	0.00	%	5.13	%
G-RR	8,645,000.00	-	-	-	-	8,645,000.00	-	0.00	%	1.35	%	0.00	%	3.76	%
J-RR	23,579,318.00	-	-	-	-	23,579,318.00	-	0.00	%	3.68	%	0.00	%	0.00	%
Uncert VRR	12,098,051.32	1,928.58	-	-	-	12,096,122.74	-	0.00	%	1.89	%	0.00	%	0.00	%
R	-	-	-	-	-	-	-	0.00	%	0.00	%	0.00	%	0.00	%

Total	640,108,506.59	102,041.17	-	-	-	640,006,465.42	-	0.00	%	100.00	%


Reports Available at sf.citidirect.com	v. 21.09.28	Page 6 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

RECONCILIATION DETAIL

February 18, 2026


SOURCE OF FUNDS					ALLOCATION OF FUNDS

Interest Funds Available					Scheduled Fees
Scheduled Interest	3,606,116.05				Servicing Fee	2,251.12
Prepayment Interest Shortfall	-				Trustee/Certificate Administrator Fee	6,217.59
Interest Adjustments	-				Operating Advisor Fee	1,003.17
ASER Amount	-				Asset Representations Reviewer Ongoing Fee	209.43
Realized Loss in Excess of Principal Balance	-				CREFC Intellectual Property Royalty License Fee	275.61
Total Interest Funds Available			3,606,116.05		Total Scheduled Fees		9,956.92
Principal Funds Available					Additional Fees, Expenses, etc.
Scheduled Principal	102,041.17				Additional Servicing Fee	-
Unscheduled Principal Collections	-				Special Servicing Fee	-
Net Liquidation Proceeds	-				Work-out Fee	-
Repurchased Principal	-				Liquidation Fee	-
Substitution Principal	-				Trust Fund Expenses	-
Other Principal	-				Trust Advisor Expenses	-
					Reimbursement of Interest on Advances to the Servicer	1,690.16
Total Principal Funds Available			102,041.17
					Borrower Reimbursable Trust Fund Expenses	-
Other Funds Available
					Other Expenses	-
Yield Maintenance Charges	-
Withdrawal of Withheld Amounts from the Interest Reserve					Total Additional Fees, Expenses, etc.		1,690.16
Account	-
					Distributions
Deposit of Withheld Amounts to the Interest Reserve Account	(116,005.13	)
					Interest Distribution	3,478,463.84
Total Other Funds Available			(116,005.13	)	Principal Distribution	102,041.17
					Yield Maintenance Charge Distribution	-
					Total Distributions		3,580,505.01




Total Funds Available			3,592,152.09
					Total Funds Allocated		3,592,152.09


Reports Available at sf.citidirect.com	v. 21.09.28	Page 7 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

OTHER INFORMATION

Interest Reserve Account Information

February 18, 2026


Beginning Interest Reserve Account Balance	116,023.71
Deposit of Withheld Amounts to the Interest Reserve Account	116,005.13
Withdrawal of Withheld Amounts from the Interest Reserve Account	0.00
Ending Interest Reserve Account Balance	232,028.84
Collateral Information
% of Cut-Off Principal Balance Outstanding	99.864658	%
Controlling Class Information
Controlling Class is Class J-RR.
The Controlling Class Representative is RREF V - D AIV RR L, LLC.
There Are No Disclosable Special Servicer Fees.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 8 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

STRATIFICATION DETAIL

February 18, 2026


Anticipated Remaining Term

Anticipated Remaining	Asset	Ending Scheduled	% of			Wtd Avg
Term Range	Count	Balance	Agg.Bal. WAC		WAM	DSCR

60 Months or Less	0	0.00	0.00	0.0000	0	0.000000
61 to 90 Months	0	0.00	0.00	0.0000	0	0.000000
91 Months or Greater	44	640,006,465.67	100.00	6.5422	109	1.420246
Total	44	640,006,465.67	100.00	6.5422	109	1.420246

Debt Service Coverage Ratio

Debt Service Coverage	Asset	Ending Scheduled	% of			Wtd Avg
Ratio Range	Count	Balance	Agg.Bal. WAC		WAM	DSCR

1.250 or Less	15	188,232,368.67	29.41	6.2701	110	0.444665
1.251 to 1.500	12	133,293,216.35	20.83	6.8553	110	1.391222
1.501 to 1.750	8	117,459,321.35	18.35	6.5638	109	1.599131
1.751 to 2.000	2	29,390,000.00	4.59	6.3784	109	1.980000
2.001 to 2.250	5	128,131,559.30	20.02	6.6695	108	2.108349
2.251 to 2.500	1	5,500,000.00	0.86	6.3200	110	2.412500
2.501 to 2.750	0	0.00	0.00	0.0000	0	0.000000
2.751 to 3.000	1	38,000,000.00	5.94	6.4550	112	2.904900
3.001 to 3.250	0	0.00	0.00	0.0000	0	0.000000
3.251 to 3.500	0	0.00	0.00	0.0000	0	0.000000
3.501 to 3.750	0	0.00	0.00	0.0000	0	0.000000
3.751 to 4.000	0	0.00	0.00	0.0000	0	0.000000
4.001 or Greater	0	0.00	0.00	0.0000	0	0.000000
Total	44	640,006,465.67	100.00	6.5422	109	1.420246


Reports Available at sf.citidirect.com	v. 21.09.28	Page 9 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

STRATIFICATION DETAIL

February 18, 2026


Ending Schedule Balance

Ending Schedule Balance	Asset	Ending Scheduled	% of			Wtd Avg
Range	Count	Balance	Agg.Bal. WAC WAM			DSCR

1 to 5,000,000	4	10,305,000.00	1.61	7.0260	109	1.034056
10,000,001 to 15,000,000	6	74,482,798.54	11.64	6.7871	110	1.536294
15,000,001 to 20,000,000	7	127,413,179.49	19.91	6.3780	108	1.269204
20,000,001 to 25,000,000	3	69,054,167.00	10.79	6.5076	110	0.990478
25,000,001 to 30,000,000	3	84,995,833.00	13.28	6.5782	109	1.207762
30,000,001 to 35,000,000	0	0.00	0.00	0.0000	0	0.000000
35,000,001 to 40,000,000	2	78,000,000.00	12.19	6.0422	111	1.880131
40,000,001 to 45,000,000	0	0.00	0.00	0.0000	0	0.000000
45,000,001 to 50,000,000	0	0.00	0.00	0.0000	0	0.000000
5,000,001 to 10,000,000	18	132,286,428.34	20.67	6.6910	110	1.296579
50,000,001 to 55,000,000	0	0.00	0.00	0.0000	0	0.000000
55,000,001 to 60,000,000	0	0.00	0.00	0.0000	0	0.000000
60,000,001 to 65,000,000	1	63,469,059.30	9.92	6.8000	109	2.094700
65,000,001 to 70,000,000	0	0.00	0.00	0.0000	0	0.000000
70,000,001 to 75,000,000	0	0.00	0.00	0.0000	0	0.000000
75,000,001 to 80,000,000	0	0.00	0.00	0.0000	0	0.000000
80,000,001 to 85,000,000	0	0.00	0.00	0.0000	0	0.000000
85,000,000+	0	0.00	0.00	0.0000	0	0.000000
Total	44	640,006,465.67	100.00	6.5422	109	1.420246


Reports Available at sf.citidirect.com	v. 21.09.28	Page 10 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

STRATIFICATION DETAIL

February 18, 2026


Loan Rate

	Asset	Ending Scheduled	% of			Wtd Avg
Loan Rate Range	Count	Balance	Agg.Bal. WAC WAM			DSCR

4.00 or Less	0	0.00	0.00	0.0000	0	0.000000
4.01 to 4.25	0	0.00	0.00	0.0000	0	0.000000
4.26 to 4.50	0	0.00	0.00	0.0000	0	0.000000
4.51 to 4.75	0	0.00	0.00	0.0000	0	0.000000
4.76 to 5.00	0	0.00	0.00	0.0000	0	0.000000
5.01 to 5.25	0	0.00	0.00	0.0000	0	0.000000
5.26 to 5.50	0	0.00	0.00	0.0000	0	0.000000
5.51 to 5.75	6	128,000,000.00	20.00	5.6135	110	0.776012
5.76 to 6.00	0	0.00	0.00	0.0000	0	0.000000
6.01 to 6.25	4	56,469,442.36	8.82	6.1410	109	1.638603
6.26 to 6.50	10	134,590,000.00	21.03	6.4289	110	1.830661
6.51 to 6.75	5	40,743,211.99	6.37	6.6749	111	1.556019
6.76 to 7.00	9	155,912,275.65	24.36	6.8238	109	1.660771
7.01 or Greater	10	124,291,535.67	19.42	7.4070	109	1.193853
Total	44	640,006,465.67	100.00	6.5422	109	1.420246

Property Type

	Asset	Ending Scheduled	% of			Wtd Avg
Property Type Range	Count	Balance	Agg.Bal. WAC WAM			DSCR

Industrial	1	14,000,000.00	2.19	6.4000	109	1.469900
Lodging	0	0.00	0.00	0.0000	0	0.000000
Mixed Use	3	82,644,059.30	12.91	6.7721	109	1.935089
Multifamily	8	78,822,931.51	12.32	6.6684	109	1.493947
Office	4	62,356,667.00	9.74	7.2706	108	1.837212
Other	10	148,270,833.00	23.17	6.0989	110	0.282434
Retail	11	187,691,974.86	29.33	6.4934	110	1.935731
Self Storage	7	66,220,000.00	10.35	6.5806	108	1.373404
Total	44	640,006,465.67	100.00	6.5422	109	1.420246


Reports Available at sf.citidirect.com	v. 21.09.28	Page 11 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

STRATIFICATION DETAIL

February 18, 2026


Remaining Amortization Term

Remaining Amortization	Asset	Ending Scheduled	% of			Wtd Avg
Term Range	Count	Balance	Agg.Bal.	WAC	WAM	DSCR

240 Months or Less	29	388,425,000.00	60.69	6.3026	110	1.362711
241 to 270 Months	0	0.00	0.00	0.0000	0	0.000000
271 to 300 Months	2	26,799,442.36	4.19	6.1388	109	1.610008
301 Months or Greater	13	224,782,023.31	35.12	7.0044	109	1.497043
Total	44	640,006,465.67	100.00	6.5422	109	1.420246

Seasoning

	Asset	Ending Scheduled	% of			Wtd Avg
Seasoning Range	Count	Balance	Agg.Bal.	WAC	WAM	DSCR

12 Months or Less	43	620,006,465.67	96.88	6.5016	110	1.400900
13 to 24 Months	1	20,000,000.00	3.12	7.8014	104	2.020000
25 to 36 Months	0	0.00	0.00	0.0000	0	0.000000
37 to 48 Months	0	0.00	0.00	0.0000	0	0.000000
49 Months or Greater	0	0.00	0.00	0.0000	0	0.000000
Total	44	640,006,465.67	100.00	6.5422	109	1.420246


Reports Available at sf.citidirect.com	v. 21.09.28	Page 12 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

STRATIFICATION DETAIL

February 18, 2026


State

	Asset	Ending Scheduled	% of			Wtd Avg
State Range	Count	Balance	Agg.Bal. WAC WAM			DSCR

Arizona	2	16,700,000.00	2.61	6.6589	111	1.116157
California	6	69,735,000.00	10.90	6.3686	109	1.563706
Connecticut	1	6,175,000.00	0.96	6.6900	112	1.400000
Florida	3	31,809,167.00	4.97	7.1826	110	1.575169
Georgia	1	18,200,000.00	2.84	6.3190	109	1.980000
Illinois	2	34,763,179.49	5.43	6.5035	110	1.452551
Louisiana	1	3,925,000.00	0.61	7.1300	111	1.430000
Massachusetts	1	38,000,000.00	5.94	6.4550	112	2.904900
Michigan	1	11,036,262.87	1.72	6.1800	109	1.710000
N/A	8	104,345,833.00	16.30	6.2321	110	0.000000
New Hampshire	1	28,000,000.00	4.37	6.8000	108	1.413900
New Mexico	1	8,200,000.00	1.28	7.0900	108	1.340000
New York	5	91,930,000.00	14.36	6.2364	110	1.310269
Ohio	1	6,455,711.99	1.01	6.7300	111	1.730000
Oregon	1	29,100,000.00	4.55	5.5770	110	2.167200
Pennsylvania	3	35,212,500.00	5.50	7.3279	106	1.868655
Texas	2	66,694,059.30	10.42	6.8140	108	2.058206
Various	1	14,600,000.00	2.28	7.6000	112	1.450000
Wisconsin	3	25,124,752.02	3.93	7.0874	110	1.258740
Total	44	640,006,465.67	100.00	6.5422	109	1.420246


Reports Available at sf.citidirect.com	v. 21.09.28	Page 13 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

MORTGAGE LOAN DETAIL

February 18, 2026


			Prop			Paid					Beginning	Ending		Payment Workout Mod
			Type			Through	Gross		Interest	Principal	Scheduled	Scheduled	Maturity	Status		Strategy Code
Loan ID	OMCR		(1)	City	State	Date	Coupon		Payment	Payment	Balance	Balance	Date	(2	)	(3	)	(4	)

656121053	1		RT	Portland	OR	02/06/2026	5.57700	%	139,750.32	-	29,100,000.00	29,100,000.00	04/06/2035	0		0		0
399570190	10		RT	Naperville	IL	02/06/2026	6.83000	%	111,746.39	-	19,000,000.00	19,000,000.00	05/06/2035	0		0		0
329930011	11		MF	Milledgeville	GA	02/06/2026	6.31900	%	99,032.77	-	18,200,000.00	18,200,000.00	03/06/2035	0		0		0
399570181	12		MF	Belleville	IL	02/06/2026	6.11000	%	83,047.33	21,119.42	15,784,298.91	15,763,179.49	03/06/2035	0		0		0
695101729	13		RT	Various	XX	02/06/2026	7.60000	%	95,548.89	-	14,600,000.00	14,600,000.00	06/06/2035	0		0		0
329930014	14		IN	Oceanside	CA	02/06/2026	6.40000	%	77,155.56	-	14,000,000.00	14,000,000.00	03/06/2035	0		0		0
329930015	15		MU	New York	NY	02/09/2026	6.67500	%	74,722.92	-	13,000,000.00	13,000,000.00	05/09/2035	0		0		0
329930016	16		OF	Rancho Santa Fe	CA	02/06/2026	6.47500	%	62,392.02	-	11,190,000.00	11,190,000.00	04/06/2035	0		0		0
329930017	17		RT	Canton Township	MI	02/06/2026	6.18000	%	58,808.96	14,590.14	11,050,853.01	11,036,262.87	03/06/2035	0		0		0
329930018	18		MF	Milwaukee	WI	02/01/2026	7.27500	%	66,799.55	6,511.61	10,663,047.28	10,656,535.67	05/01/2035	0		0		0
329930019	19		SS	Roseville	CA	02/06/2026	6.08700	%	50,686.11	-	9,670,000.00	9,670,000.00	03/06/2035	0		0		0
301271947	1	A	N/A			02/06/2026	5.57700	%	81,641.08	-	17,000,000.00	17,000,000.00	04/06/2035	0		0		0
329930001	1	B	N/A			02/06/2026	5.57700	%	2,161.09	-	450,000.00	450,000.00	04/06/2035	0		0		0
329930111	1	C	N/A			02/06/2026	5.57700	%	83,802.17	-	17,450,000.00	17,450,000.00	04/06/2035	0		0		0
301271952	2		N/A	New York	NY	02/06/2026	5.65000	%	194,611.11	-	40,000,000.00	40,000,000.00	05/06/2035	0		0		0
329930020	20		MF	New Paltz	NY	02/06/2026	7.06600	%	57,682.11	-	9,480,000.00	9,480,000.00	05/06/2035	0		0		0
329930021	21		SS	Phoenix	AZ	02/01/2026	6.37000	%	47,721.92	-	8,700,000.00	8,700,000.00	06/01/2035	0		0		0
329930022	22		SS	Santa Fe	NM	02/01/2026	7.09000	%	50,063.28	-	8,200,000.00	8,200,000.00	02/01/2035	0		0		0
329930023	23		RT	Corona	NY	02/06/2026	6.80600	%	46,885.78	-	8,000,000.00	8,000,000.00	05/06/2035	0		0		0
329930024	24		RT	Tucson	AZ	02/06/2026	6.97300	%	48,036.22	-	8,000,000.00	8,000,000.00	05/06/2035	0		0		0
329930025	25		SS	Glen Mills	PA	02/01/2026	6.77000	%	44,597.38	-	7,650,000.00	7,650,000.00	03/01/2035	0		0		0
329930026	26		OF	Berwyn	PA	02/06/2026	6.64000	%	43,240.69	-	7,562,500.00	7,562,500.00	05/06/2035	0		0		0
329930027	27		MF	Van Nuys	CA	02/06/2026	6.65000	%	43,234.24	-	7,550,000.00	7,550,000.00	03/06/2035	0		0		0
329930028	28		MF	Milwaukee	WI	02/01/2026	6.95500	%	44,886.94	5,115.43	7,494,862.23	7,489,746.80	03/01/2035	0		0		0
329930029	29		SS	Folsom	CA	02/01/2026	6.77000	%	42,702.72	-	7,325,000.00	7,325,000.00	03/01/2035	0		0		0
301271954	2	A	N/A			02/06/2026	5.65000	%	116,766.67	-	24,000,000.00	24,000,000.00	05/06/2035	0		0		0
28002555	3		MU	Fort Worth	TX	02/06/2026	6.80000	%	371,911.98	45,320.14	63,514,379.44	63,469,059.30	03/06/2035	0		0		0
329930030	30		MF	Milwaukee	WI	02/01/2026	6.94300	%	41,750.54	4,751.42	6,983,220.97	6,978,469.55	04/01/2035	0		0		0
329930031	31		RT	Chardon	OH	02/06/2026	6.73000	%	37,439.49	4,633.01	6,460,345.00	6,455,711.99	05/06/2035	0		0		0
329930032	32		MU	Norwalk	CT	02/06/2026	6.69000	%	35,573.15	-	6,175,000.00	6,175,000.00	06/06/2035	0		0		0
329930033	33		RT	Miramar	FL	02/06/2026	6.32000	%	29,932.22	-	5,500,000.00	5,500,000.00	04/06/2035	0		0		0
695101725	34		N/A	Lafayette	LA	02/06/2026	7.13000	%	24,098.41	-	3,925,000.00	3,925,000.00	05/06/2035	0		0		0


Reports Available at sf.citidirect.com	v. 21.09.28	Page 14 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

MORTGAGE LOAN DETAIL

February 18, 2026


			Prop			Paid					Beginning	Ending		Payment Workout Mod
			Type			Through	Gross		Interest	Principal	Scheduled	Scheduled	Maturity	Status Strategy Code
Loan ID	OMCR		(1)	City	State	Date	Coupon		Payment	Payment	Balance	Balance	Date	(2	)	(3	)	(4	)

329930035	35		SS	Arlington	TX	02/01/2026	7.09000	%	19,689.52	-	3,225,000.00	3,225,000.00	02/01/2035	0		0		0
329930036	36		MF	Ocala	FL	02/01/2026	7.04000	%	16,398.31	-	2,705,000.00	2,705,000.00	02/01/2035	0		0		0
301271944	4		OF	Miami	FL	02/06/2026	7.40000	%	150,411.00	-	23,604,167.00	23,604,167.00	05/06/2035	0		0		0
301271946	4	A	N/A			02/06/2026	7.40000	%	177,758.45	-	27,895,833.00	27,895,833.00	05/06/2035	0		0		0
329930005	5		RT	Hyannis	MA	02/01/2026	6.45500	%	211,221.94	-	38,000,000.00	38,000,000.00	06/01/2035	0		0		0
329930105	5	A	N/A			02/01/2026	6.45500	%	33,350.83	-	6,000,000.00	6,000,000.00	06/01/2035	0		0		0
329330120	6		SS	Long Island City	NY	02/06/2026	6.48500	%	119,783.35	-	21,450,000.00	21,450,000.00	02/06/2035	0		0		0
329330320	6	A	N/A			02/06/2026	6.48500	%	32,249.36	-	5,775,000.00	5,775,000.00	02/06/2035	0		0		0
329330420	6	B	N/A			02/06/2026	6.48500	%	32,249.36	-	5,775,000.00	5,775,000.00	02/06/2035	0		0		0
329930007	7		RT	Bedford	NH	02/06/2026	6.80000	%	163,955.56	-	28,000,000.00	28,000,000.00	02/06/2035	0		0		0
399570180	8		RT	Corona	CA	02/06/2026	6.17000	%	106,261.11	-	20,000,000.00	20,000,000.00	03/06/2035	0		0		0
329930009	9		OF	Plymouth Meeting	PA	02/06/2026	7.80139	%	134,357.25	-	20,000,000.00	20,000,000.00	10/06/2034	0		0		0
Total	Count = 44								3,606,116.05	102,041.17	640,108,506.84	640,006,465.67


Reports Available at sf.citidirect.com	v. 21.09.28	Page 15 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

NOI DETAIL

February 18, 2026


			Property			Ending	Preceding	Most	Most Recent	Most Recent
			Type			Scheduled	Fiscal	Recent	Financial As of	Financial Asof
Loan ID	OMCR		(1)	City	State	Balance	Year NOI	NOI	Start Date	End Date

656121053	1		RT	Portland	OR	29,100,000.00	0.12	32,625,027.87	01/01/2025	09/30/2025
399570190	10		RT	Naperville	IL	19,000,000.00	0.11	0.11	Not Available	Not Available
329930011	11		MF	Milledgeville	GA	18,200,000.00	0.13	0.13	Not Available	Not Available
399570181	12		MF	Belleville	IL	15,763,179.49	0.13	0.13	Not Available	Not Available
695101729	13		RT	Various	XX	14,600,000.00	0.12	0.12	Not Available	Not Available
329930014	14		IN	Oceanside	CA	14,000,000.00	1,209,689.30	1,047,835.00	Not Available	Not Available
329930015	15		MU	New York	NY	13,000,000.00	0.10	0.10	Not Available	Not Available
329930016	16		OF	Rancho Santa Fe	CA	11,190,000.00	0.13	0.13	Not Available	Not Available
329930017	17		RT	Canton Township	MI	11,036,262.87	0.15	0.15	Not Available	Not Available
329930018	18		MF	Milwaukee	WI	10,656,535.67	0.11	0.11	Not Available	Not Available
329930019	19		SS	Roseville	CA	9,670,000.00	0.11	0.11	Not Available	Not Available
301271947	1	A	N/A			17,000,000.00	-	-	Not Available	Not Available
329930001	1	B	N/A			450,000.00	-	-	Not Available	Not Available
329930111	1	C	N/A			17,450,000.00	-	-	Not Available	Not Available
301271952	2		N/A	New York	NY	40,000,000.00	0.06	6,875,442.00	01/01/2025	09/30/2025
329930020	20		MF	New Paltz	NY	9,480,000.00	0.13	0.13	Not Available	Not Available
329930021	21		SS	Phoenix	AZ	8,700,000.00	0.09	570,515.00	01/01/2025	09/30/2025
329930022	22		SS	Santa Fe	NM	8,200,000.00	0.10	0.10	Not Available	Not Available
329930023	23		RT	Corona	NY	8,000,000.00	0.16	0.16	Not Available	Not Available
329930024	24		RT	Tucson	AZ	8,000,000.00	0.11	542,770.00	01/01/2025	09/30/2025
329930025	25		SS	Glen Mills	PA	7,650,000.00	0.10	496,768.00	01/01/2025	09/30/2025
329930026	26		OF	Berwyn	PA	7,562,500.00	0.15	839,363.83	01/01/2025	09/30/2025
329930027	27		MF	Van Nuys	CA	7,550,000.00	0.09	0.09	Not Available	Not Available
329930028	28		MF	Milwaukee	WI	7,489,746.80	0.10	0.10	Not Available	Not Available
329930029	29		SS	Folsom	CA	7,325,000.00	0.10	396,109.00	01/01/2025	09/30/2025
301271954	2	A	N/A			24,000,000.00	-	-	Not Available	Not Available
28002555	3		MU	Fort Worth	TX	63,469,059.30	0.20	7,665,362.36	01/01/2025	09/30/2025
329930030	30		MF	Milwaukee	WI	6,978,469.55	0.10	0.10	Not Available	Not Available
329930031	31		RT	Chardon	OH	6,455,711.99	0.15	0.15	Not Available	Not Available
329930032	32		MU	Norwalk	CT	6,175,000.00	0.10	0.10	Not Available	Not Available
329930033	33		RT	Miramar	FL	5,500,000.00	920,908.00	667,914.28	Not Available	Not Available
695101725	34		N/A	Lafayette	LA	3,925,000.00	383,204.00	0.10	Not Available	Not Available
Reports Available at sf.citidirect.com			v. 21.09.28			Page 16 of 31			© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

NOI DETAIL

February 18, 2026


			Property			Ending	Preceding	Most	Most Recent	Most Recent
			Type			Scheduled	Fiscal	Recent	Financial As of	Financial Asof
Loan ID	OMCR		(1)	City	State	Balance	Year NOI	NOI	Start Date	End Date

329930035	35		SS	Arlington	TX	3,225,000.00	0.10	0.10	Not Available	Not Available
329930036	36		MF	Ocala	FL	2,705,000.00	0.10	57,035.00	01/01/2025	09/30/2025
301271944	4		OF	Miami	FL	23,604,167.00	0.14	0.14	Not Available	Not Available
301271946	4	A	N/A			27,895,833.00	-	-	Not Available	Not Available
329930005	5		RT	Hyannis	MA	38,000,000.00	0.20	8,134,400.02	01/01/2025	09/30/2025
329930105	5	A	N/A			6,000,000.00	-	-	Not Available	Not Available
329330120	6		SS	Long Island City	NY	21,450,000.00	0.10	10,616,101.63	01/01/2025	09/30/2025
329330320	6	A	N/A			5,775,000.00	-	-	Not Available	Not Available
329330420	6	B	N/A			5,775,000.00	-	-	Not Available	Not Available
329930007	7		RT	Bedford	NH	28,000,000.00	2,904,739.85	2,228,300.33	Not Available	Not Available
399570180	8		RT	Corona	CA	20,000,000.00	0.12	1,699,975.62	01/01/2025	09/30/2025
329930009	9		OF	Plymouth Meeting	PA	20,000,000.00	0.20	0.20	Not Available	Not Available
Total	Count = 44					640,006,465.67	5,418,545.06	74,462,922.50


Reports Available at sf.citidirect.com	v. 21.09.28	Page 17 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

DELINQUENCY LOAN DETAIL

February 18, 2026

Actual

Paid

Current P&I

Total P&I

Cumulative

Other Expense

Payment Workout

Most Recent

Principal

Through

Advances

Accrued Unpaid

Advances

Status

Strategy

Special Serv

Foreclosure

Bankruptcy

REO

Loan ID

OMCR

Balance

Date

(Net of ASER)

Outstanding

Interest Advances

Outstanding

)

Transfer Date

Date

No Loans with Delinquency Activity to Report.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 18 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

COLLATERAL PERFORMANCE - DELINQUENCY AND LOAN STATUS DETAIL

–

February 18, 2026


							Delinquent
					(Does not include loans in Bankruptcy, Foreclosure, or REO)

			30	Day			60	Day			90	Day	120			+ Day	Bankruptcy				Foreclosure						REO

Distribution

Date	Count		Balance		Count		Balance		Count		Balance		Count		Balance		Count		Balance		Count		Balance		Count			Balance


	0		0		0		0		0		0		0		0		0		0		0		0		0			0
02/18/2026
	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%		0.0	%

	0		0		0		0		0		0		0		0		0		0		0		0		0			0
01/16/2026
	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%		0.0	%

	0		0		0		0		0		0		0		0		0		0		0		0		0			0
12/17/2025
	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%		0.0	%

	0		0		0		0		0		0		0		0		0		0		0		0		0			0
11/18/2025
	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%		0.0	%

	0		0		0		0		0		0		0		0		0		0		0		0		0			0
10/20/2025
	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%		0.0	%

	0		0		0		0		0		0		0		0		0		0		0		0		0			0
09/17/2025
	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%		0.0	%

	0		0		0		0		0		0		0		0		0		0		0		0		0			0
08/15/2025
	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%		0.0	%

	0		0		0		0		0		0		0		0		0		0		0		0		0			0
07/17/2025
	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%		0.0	%


Reports Available at sf.citidirect.com	v. 21.09.28	Page 19 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

APPRAISAL REDUCTION DETAIL

February 18, 2026


			Beginning	Ending	Appraisal	Appraisal	Most Recent	Cumulative
Loan ID	OMCR	Property Name	Scheduled Balance	Scheduled Balance	Reduction Amount	Reduction Date	ASER Amount	ASER Amount

No Loans with Appraisal Reduction Activity.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 20 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

HISTORICAL APPRAISAL REDUCTION DETAIL

February 18, 2026


Distribution				Beginning	Ending	Appraisal	Appraisal	Most Recent	Cumulative
Date	Loan ID	OMCR	Property Name	Scheduled Balance	Scheduled Balance	Reduction Amount	Reduction Date	ASER Amount	ASER Amount

No Loans with Appraisal Reduction Activity.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 21 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

LOAN MODIFICATION DETAIL

February 18, 2026


			Modification	Modification
Loan ID	OMCR	Property Name	Date	Code (4)

No Loans with Modification Activity to Report.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 22 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

HISTORICAL LOAN MODIFICATION DETAIL

February 18, 2026


Distribution				Modification	Modification
Date	Loan ID	OMCR	Property Name	Date	Code (4)

No Loans with Modification Activity to Report.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 23 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

SPECIALLY SERVICED LOAN DETAIL

February 18, 2026


			Special Servicing	Ending	Ending	Most	Most Recent	Most Recent	Most Recent
		Workout	Fee Amount	Scheduled	Actual	Recent	Valuation	Special Servicer	Master Servicer
Loan ID	OMCR	Strategy (3)	Plus Adjustments	Balance	Balance	Value	Date	Transfer Date	Return Date

No Loans Specially Serviced to Report.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 24 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

HISTORICAL SPECIALLY SERVICED LOANS

February 18, 2026


				Special Servicing	Ending	Ending	Most	Most Recent	Most Recent	Most Recent
Distribution			Workout	Fee Amount	Scheduled	Actual	Recent	Valuation	Special Servicer	Master Servicer
Date	Loan ID	OMCR	Strategy (3)	Plus Adjustments	Balance	Balance	Value	Date	Transfer Date	Return Date

No Loans Specially Serviced to Report.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 25 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

UNSCHEDULED PRINCIPAL DETAIL

February 18, 2026


		Liquidation /	Liquid / Prepay	Principal	Principal	Prepayment Interest	Prepayment	Yield Maintenance
Loan ID	OMCR	Prepayment Date	Code (5)	Collections	Adjustments	Excess / (Shortfall)	Penalties (PPP)	Penalties (YM)

No Loans with Unscheduled Principal Activity to Report.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 26 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

HISTORICAL UNSCHEDULED PRINCIPAL DETAIL

February 18, 2026


Distribution			Liquidation /	Liquid / Prepay	Principal	Principal	Prepayment Interest	Prepayment	Yield Maintenance
Date	Loan ID	OMCR	Prepayment Date	Code (5)	Collections	Adjustments	Excess / (Shortfall)	Penalties (PPP)	Penalties (YM)

No Loans with Unscheduled Principal Activity to Report.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 27 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

LIQUIDATED LOAN DETAIL

February 18, 2026


		Beginning	Most	Liquidation	Net		Net	Realized	Date of		Loss with
		Scheduled	Recent	Sales	Proceeds	Liquidation	Proceeds	Loss to	Current	Current Cumulative	Cumulative
Loan ID	OMCR	Balance	Value	Price	Received	Expense	Available	Trust	Adj. to Loan	Adj. to Loan Adj. to Loan	Adj. to Trust

No Loans liquidated to Report.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 28 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

HISTORICAL LIQUIDATED LOAN

February 18, 2026


		Beginning	Most	Liquidation	Net		Net	Realized	Date of		Loss with
Distribution		Scheduled	Recent	Sales	Proceeds	Liquidation	Proceeds	Loss to	Current	Current Cumulative	Cumulative
Date	Loan ID OMCR	Balance	Value	Price	Received	Expense	Available	Trust	Adj. to Loan	Adj. to Loan Adj. to Loan	Adj. to Trust

No Loans liquidated to Report.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 29 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

CREFC® INVESTOR REPORTING PACKAGE LEGENDS

February 18, 2026


1\|CREFC Investor Reporting Package Legends
	Property Type (1)		Workout Strategy (3)		Liquidation/Prepayment Code (5)

MF	Multifamily	1	Modification	1	Partial Liquidation (Curtailment)
RT	Retail	2	Foreclosure	2	Payoff Prior To Maturity
HC	HealthCare	3	Bankruptcy	3	Disposition / Liquidation
IN	Industrial	4	Extension	4	Repurchase / Substitution
MH	Mobile Home Park	5	Note Sale	5	Full Payoff At Maturity
OF	Office	6	DPO	6	DPO
MU	Mixed Use	7	REO	7	Liquidation prior to 7/1/2006
LO	Lodging	8	Resolved	8	Payoff With Penalty
SS	Self Storage	9	Pending Return to Master Servicer	9	Payoff With Yield Maintenance
SE	Securities	10	Deed In Lieu of Foreclosure	10	Curtailment With Penalty
CH	Cooperative Housing	11	Full Payoff	11	Curtailment With Yield Maintenance
ZZ	Missing Information	12	Reps and Warranties
SF	SF	13	TBD
WH	Warehouse	98	Other
OT	Other

			Modification Code (4)
	Payment Status of Loan (2)
		1	Maturity Date Extension
A	In Grace Period	2	Amortization Change
B	Late, but less than 30 Days	3	Principal Write-Off
0	Current	4	Blank (formerly Combination)
1	30-59 Days Delinquent	5	Temporary Rate Reduction
2	60-89 Days Delinquent	6	Capitalization of Interest
3	90-120 Days Delinquent	7	Capitalization of Taxes
4	Performing Matured Balloon	8	Other
5	Non Performing Matured Balloon	9	Combination
6	121+ Days Delinquent	10	Forbearance


Reports Available at sf.citidirect.com	v. 21.09.28	Page 30 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust

Commercial Mortgage Pass-Through Certificates, Series 2025-C12

NOTES

February 18, 2026

No Notes available for this deal at this time.


Reports Available at sf.citidirect.com	v. 21.09.28	Page 31 of 31	© Copyright 2026 Citigroup

BMO 2025-C12 Mortgage Trust 10-D