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 branchesArizona
60 branchesIndiana
48 branchesMinnesota
35 branchesNebraska
29 branchesKansas
24 branchesMissouri
23 branchesIowa
21 branchesOregon
21 branchesNew Mexico
20 branchesFlorida
18 branches
North Port area · 10
- Cortez Branch4502 Cortez Rd W, Bradenton, FL 34210Directions
- Lakewood Ranch Branch11535 Palmbrush Trl, Bradenton, FL 34202Directions
- Palma Sola Square Branch5503 Manatee Ave W, Bradenton, FL 34209Directions
- Ellenton Branch4115 Us Highway 301 N, Ellenton, FL 34222Directions
- Palmetto Branch1301 8th Ave W, Palmetto, FL 34221Directions
- Beneva Road Branch1201 Beneva Rd, Sarasota, FL 34232Directions
- Downtown Sarasota Branch52 S Lemon Ave, Sarasota, FL 34236Directions
- Fruitville Branch5931 Brookhill Blvd, Sarasota, FL 34232Directions
- Whitfield Branch6821 15th St E, Sarasota, FL 34243Directions
- University Parkway Branch5225 University Pkwy, University Park, FL 34201Directions
Tampa area · 3
- South Shore Branch5461 N Us Highway 41, Apollo Beach, FL 33572Directions
- Brandon Branch103 W Bloomingdale Ave, Brandon, FL 33511Directions
- Tampa Branch501 E Kennedy Blvd, Tampa, FL 33602Directions
Naples area · 3
- Marco Island Office Branch800 N Collier Blvd, Marco Island, FL 34145Directions
- Naples Trail Branch2375 Tamiami Trl N, Naples, FL 34103Directions
- Naples Wealth Mgmt Office Branch801 Laurel Oak Dr, Naples, FL 34108Directions
Cape Coral area · 1
- Bonita Beach Road Office9000 Bonita Beach Rd Se, Bonita Springs, FL 34135Directions
Punta Gorda area · 1
- Murdock Branch1777 Tamiami Trl, Port Charlotte, FL 33948Directions
Wyoming
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.