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 branchesWyoming
17 branchesOklahoma
13 branchesWashington
8 branchesNevada
7 branchesSouth Dakota
7 branches
Corsica area · 1
- Corsica Branch135 E Main St, Corsica, SD 57328Directions
Gettysburg area · 1
- Gettysburg Branch104 N Exene St, Gettysburg, SD 57442Directions
Huron area · 1
- Huron Branch76 3rd St Sw, Huron, SD 57350Directions
Lemmon area · 1
- Lemmon Branch214 Main Ave, Lemmon, SD 57638Directions
Platte area · 1
- Platte Branch403 Main Street, Platte, SD 57369Directions
Redfield area · 1
- Redfield Branch26 E 7th Ave, Redfield, SD 57469Directions
Vermillion area · 1
- Vermillion Branch15 E Main St, Vermillion, SD 57069Directions
Utah
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.