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 branches
Minneapolis area · 19
- Apple Valley Branch7095 151st St W, Apple Valley, MN 55124Directions
- Blaine Branch1520 109th Ave Ne, Blaine, MN 55449Directions
- Bloomington Office9320 Ensign Ave S, Bloomington, MN 55438Directions
- Burnsville Office14201 Grand Ave, Burnsville, MN 55337Directions
- Chanhassen Branch761 W 78th St, Chanhassen, MN 55317Directions
- Eden Prairie Office11455 Viking Dr, Eden Prairie, MN 55344Directions
- Edina 50th & France Branch5050 France Ave S, Edina, MN 55410Directions
- Edina Branch3905 W 69th St, Edina, MN 55435Directions
- Maple Grove Branch11915 Elm Creek Blvd N, Maple Grove, MN 55369Directions
- Coon Rapids Office3500 129th Ave Nw, Minneapolis, MN 55448Directions
- Lake Street Branch320 E Lake St, Minneapolis, MN 55408Directions
- St. Louis Park Banch5775 Wayzata Blvd, Minneapolis, MN 55416Directions
- Plymouth Branch3245 Vicksburg Ln N, Plymouth, MN 55447Directions
- Ramsey Branch14125 Saint Francis Blvd, Ramsey, MN 55303Directions
- Richfield Office6625 Lyndale Ave S, Richfield, MN 55423Directions
- Rogers Mn Branch13798 Rogers Dr, Rogers, MN 55374Directions
- Roseville Branch1780 Highway 36 W, Roseville, MN 55113Directions
- Highland Park Branch522 Snelling Avenue, St. Paul, MN 55116Directions
- Woodbury Branch9935 Hudson Pl, Woodbury, MN 55125Directions
Marshall area · 2
- Marshall Branch1410 E College Dr, Marshall, MN 56258Directions
- Minneota Branch123 N Jefferson St, Minneota, MN 56264Directions
Ada area · 1
- Ada Branch412 E Main St, Ada, MN 56510Directions
Benson area · 1
- Benson Branch1302 Atlantic Ave, Benson, MN 56215Directions
Wahpeton area · 1
- Breckenridge Red River Branch408 Minnesota Ave, Breckenridge, MN 56520Directions
La Crosse area · 1
- Caledonia Branch124 E Grove St, Caledonia, MN 55921Directions
Elbow Lake area · 1
- Elbow Lake Branch14 Central Ave S, Elbow Lake, MN 56531Directions
Fergus Falls area · 1
- Fergus Falls West Branch120 N Mill St, Fergus Falls, MN 56537Directions
Ivanhoe area · 1
- Ivanhoe Branch323 N Norman St, Ivanhoe, MN 56142Directions
Lakefield area · 1
- Lakefield Branch204 Main St, Lakefield, MN 56150Directions
Little Falls area · 1
- Little Falls Branch65 E Broadway, Little Falls, MN 56345Directions
Rochester area · 1
- Mabel Branch101 E Newburg Ave, Mabel, MN 55954Directions
Morris area · 1
- Morris Branch214 Atlantic Ave, Morris, MN 56267Directions
St. Cloud area · 1
- Paynesville Branch201 W James St, Paynesville, MN 56362Directions
Windom area · 1
- Windom Branch203 10th St, Windom, MN 56101Directions
Worthington area · 1
- Worthington Branch1027 4th Ave, Worthington, MN 56187Directions
Nebraska
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.