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 branches
Des Moines area · 9
- Ankeny Branch411 N Ankeny Blvd, Ankeny, IA 50023Directions
- Clive Branch1070 73rd St, Clive, IA 50324Directions
- Hickman Branch2199 Nw 159th St, Clive, IA 50325Directions
- Hubbell Branch2596 Hubbell Ave, Des Moines, IA 50317Directions
- Southdale Branch4910 Se 14th St, Des Moines, IA 50320Directions
- Indianola211 E Boston Ave, Indianola, IA 50125Directions
- Johnston5721 Merle Hay Rd, Johnston, IA 50131Directions
- Urbandale8300 Douglas Ave, Urbandale, IA 50322Directions
- Jordan Creek7465 Ashworth Rd, West Des Moines, IA 50266Directions
Cedar Rapids area · 3
- Cedar Rapids - Downtown700 1st Ave Ne, Cedar Rapids, IA 52401Directions
- Cedar Rapids - North River Village5000 Edgewood Rd Ne, Cedar Rapids, IA 52411Directions
- Marion770 7th Ave, Marion, IA 52302Directions
Ames area · 2
- Ames525 Main St, Ames, IA 50010Directions
- Boone Branch717 8th St, Boone, IA 50036Directions
Decorah area · 2
- Decorah Branch120 W Water St, Decorah, IA 52101Directions
- Decorah Drive Up Branch405 Heivly St, Decorah, IA 52101Directions
Bloomfield area · 1
- Bloomfield105 N Washington St, Bloomfield, IA 52537Directions
Carroll area · 1
- Carroll109 E 7th St, Carroll, IA 51401Directions
Iowa City area · 1
- Coralville Branch800 22nd Ave, Coralville, IA 52241Directions
Lamoni area · 1
- Lamoni108 E Main St, Lamoni, IA 50140Directions
Omaha area · 1
- Woodbine425 Walker St, Woodbine, IA 51579Directions
Oregon
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.