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 branches
St. Louis area · 12
- Jefferson County Branch1060 Jeffco Blvd, Arnold, MO 63010Directions
- Ellisville Branch3095 Clarkson Rd, Chesterfield, MO 63017Directions
- Clayton Facility700 Corporate Park Dr, Clayton, MO 63105Directions
- Crestwood Branch9206 Watson Rd, Crestwood, MO 63126Directions
- Creve Coeur East Branch10911 Olive Blvd, Creve Coeur, MO 63141Directions
- Des Peres Branch13205 Manchester Rd, Des Peres, MO 63131Directions
- Winghaven Branch3001 Winghaven Blvd, O'Fallon, MO 63368Directions
- Concorde5256 S Lindbergh Blvd, St. Louis, MO 63126Directions
- Southtowne Branch4210 S Kingshighway Blvd, St. Louis, MO 63109Directions
- St. Louis - Locust Street Branch603 Locust St, St. Louis, MO 63101Directions
- The Hill Branch2301 S Kingshighway Blvd, St. Louis, MO 63110Directions
- Sunset Hills Branch3701 S Lindbergh Blvd, Sunset Hills, MO 63127Directions
Kansas City area · 10
- Blue Springs3121 S 7 Hwy, Blue Springs, MO 64014Directions
- Eastland Branch18931 E Valley View Pkwy, Independence, MO 64055Directions
- Independence Branch4610 S Noland Rd, Independence, MO 64055Directions
- Briar Cliff Branch1201 Nw Briarcliff Pkwy, Kansas City, MO 64116Directions
- Platte - 64th Street Branch5245 Nw 64th St, Kansas City, MO 64151Directions
- Plaza Branch800 W 47th St, Kansas City, MO 64112Directions
- Lee'S Summit East Branch700 Ne State Route 291, Lee's Summit, MO 64086Directions
- Lees Summit South Branch100 Sw Highway 150, Lee's Summit, MO 64082Directions
- Liberty Branch850 S State Route 291, Liberty, MO 64068Directions
- Liberty Branch105 N Stewart Ct, Liberty, MO 64068Directions
St. Joseph area · 1
- St. Joe Branch4305 Frederick Ave, St. Joseph, MO 64506Directions
Iowa
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.