Bank · FDIC insured
BMO
A $255B bank, the 16th largest of 4,207, headquartered in Chicago, IL, with 980 branches in 23 states. Best rates: CDs 3.00% and savings 0.01% APY.
BMO Carrot Score
66
Carrot Score
Higher than 15% of U.S. banks and credit unions
#98 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About BMO
- Headquarters
- 320 S Canal St, Chicago, IL 60606
- FDIC certificate
- 16571 ↗
Branches
980 branches in 23 states
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California
225 branchesIllinois
178 branchesWisconsin
144 branchesColorado
68 branches
Denver area · 40
- Arvada - Carr5805 Carr St, Arvada, CO 80004Directions
- Arvada - West12880 W 64th Ave, Arvada, CO 80004Directions
- Aurora Branch10401 E Colfax Ave, Aurora, CO 80010Directions
- Aurora Town Center700 S Abilene St, Aurora, CO 80012Directions
- Havana Gardens1389 S Havana St, Aurora, CO 80012Directions
- Heather Gardens Branch13781 E Yale Ave, Aurora, CO 80014Directions
- Brighton Branch1795 E Bridge St, Brighton, CO 80601Directions
- Broomfield Branch1000 E 1st Ave, Broomfield, CO 80020Directions
- Park Meadows Branch9335 E County Line Rd, Centennial, CO 80112Directions
- Smoky Hill Branch16778 E Smoky Hill Rd, Centennial, CO 80015Directions
- Southglenn2200 E Arapahoe Rd, Centennial, CO 80122Directions
- Commerce City Branch7326 Magnolia St, Commerce City, CO 80022Directions
- Conifer Branch25657 Conifer Rd, Conifer, CO 80433Directions
- Bear Valley3102 S Sheridan Blvd, Denver, CO 80227Directions
- Central Park Branch2970 Quebec St, Denver, CO 80207Directions
- Cherry Creek2 Steele St, Denver, CO 80206Directions
- Denver North Branch1965 W 38th Ave, Denver, CO 80211Directions
- Denver South Branch2050 S Downing St, Denver, CO 80210Directions
- Denver-Downtown621 17th St, Denver, CO 80293Directions
- Tamarac Square7995 E Hampden Ave, Denver, CO 80231Directions
- University Hills Branch2720 S Colorado Blvd, Denver, CO 80222Directions
- Elizabeth Branch770 E Kiowa Ave, Elizabeth, CO 80107Directions
- Arapahoe Plaza7310 E Arapahoe Rd, Englewood, CO 80112Directions
- Englewood - Broadway4301 S Broadway, Englewood, CO 80113Directions
- Greenwood Village6050 S Holly St, Englewood, CO 80111Directions
- Evergreen Branch3779 Evergreen Pkwy, Evergreen, CO 80439Directions
- Evergreen North953 Swede Gulch Rd, Evergreen, CO 80439Directions
- Golden Branch701 13th St, Golden, CO 80401Directions
- Highlands Ranch West Branch9285 S Broadway, Highlands Ranch, CO 80129Directions
- Lakewood Wadsworth215 S Wadsworth Blvd, Lakewood, CO 80226Directions
- Westland10425 W Colfax Ave, Lakewood, CO 80215Directions
- Columbine Branch6775 W Ken Caryl Ave, Littleton, CO 80128Directions
- Jefferson Market Place Branch8184 S Kipling Pkwy, Littleton, CO 80127Directions
- Southwest Plaza9111 W Bowles Ave, Littleton, CO 80123Directions
- Lone Tree Branch9630 Heritage Hills Cir, Lone Tree, CO 80124Directions
- Northglenn10393 Huron St, Northglenn, CO 80260Directions
- Parker Flat Acres11451 S 20 Mile Rd, Parker, CO 80134Directions
- Thornton Branch12000 Washington St, Thornton, CO 80241Directions
- Thornton Plaza12080 Colorado Blvd, Thornton, CO 80241Directions
- Westminster - Sheridan Branch9150 Sheridan Blvd, Westminster, CO 80031Directions
Boulder area · 6
- Boulder-Arapahoe Branch3800 Arapahoe Ave, Boulder, CO 80303Directions
- Longmont700 5th Ave, Longmont, CO 80501Directions
- Longmont - Hover Branch1610 Hover St, Longmont, CO 80501Directions
- Louisville North865 S Boulder Rd, Louisville, CO 80027Directions
- Lyons Branch303 Main St, Lyons, CO 80540Directions
- Niwot Branch97 2nd Avenue, Niwot, CO 80544Directions
Fort Collins area · 3
- Berthoud Branch415 Mountain Ave, Berthoud, CO 80513Directions
- Fort Collins - Horsetooth Branch1075 W Horsetooth Rd, Fort Collins, CO 80526Directions
- Loveland303 E 6th St, Loveland, CO 80537Directions
Grand Junction area · 3
- Grand Junction Clifton Branch3201 F Rd, Clifton, CO 81520Directions
- Fruita Branch141 N Park Sq, Fruita, CO 81521Directions
- Grand Junction Branch1211 N 7th St, Grand Junction, CO 81501Directions
Breckenridge area · 2
- Breckenridge Branch106 N French St, Breckenridge, CO 80424Directions
- Frisco Branch1000 N Summit Blvd, Frisco, CO 80443Directions
Burlington area · 1
- Burlington Branch502 14th St, Burlington, CO 80807Directions
Crested Butte area · 1
- Crested Butte Branch405 6th Street, Crested Butte, CO 81224Directions
Delta area · 1
- Delta Branch402 Main St, Delta, CO 81416Directions
Fort Morgan area · 1
- Fort Morgan Branch120 E Kiowa Ave, Fort Morgan, CO 80701Directions
Fraser area · 1
- Fraser Branch701 S Zerex St, Fraser, CO 80442Directions
Greeley area · 1
- Greeley-10th Branch4290 W 10th St, Greeley, CO 80634Directions
Gunnison area · 1
- Gunnison Branch201 N Main St, Gunnison, CO 81230Directions
Holyoke area · 1
- Holyoke Branch125 S Baxter Ave, Holyoke, CO 80734Directions
Kremmling area · 1
- Kremmling Branch108 S 2nd St, Kremmling, CO 80459Directions
Montrose area · 1
- Montrose1105 S Townsend Ave, Montrose, CO 81401Directions
Salida area · 1
- Salida Branch146 G St, Salida, CO 81201Directions
Steamboat Springs area · 1
- Steamboat Springs Branch555 Lincoln Ave, Steamboat Springs, CO 80487Directions
Sterling area · 1
- Sterling Branch130 N 3rd St, Sterling, CO 80751Directions
Trinidad area · 1
- Trinidad Branch213 N Commercial St, Trinidad, CO 81082Directions
Arizona
60 branchesIndiana
48 branchesMinnesota
35 branchesNebraska
29 branchesKansas
24 branchesMissouri
23 branchesIowa
21 branchesOregon
21 branchesNew Mexico
20 branchesFlorida
18 branchesWyoming
17 branchesOklahoma
13 branchesWashington
8 branchesNevada
7 branchesSouth Dakota
7 branchesUtah
5 branchesIdaho
4 branchesNorth Dakota
4 branchesTexas
1 branchWalk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.29% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.92% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 0.15% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $73 | $85 | — |
- CapitalLeverage ratio11.29%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.92%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets0.15%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$73Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of BMO are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.