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 branches
Cheyenne area · 2
- Cheyenne East Branch2200 E Lincolnway, Cheyenne, WY 82001Directions
- Cheyenne North Branch1515 Dell Range Blvd, Cheyenne, WY 82009Directions
Riverton area · 2
- Lander Branch303 Main St, Lander, WY 82520Directions
- Riverton Branch123 E Main St, Riverton, WY 82501Directions
Big Piney area · 1
- Big Piney Branch440 Budd Ave, Big Piney, WY 83113Directions
Casper area · 1
- Casper Downtown Branch300 S Wolcott St, Casper, WY 82601Directions
Cody area · 1
- Cody Branch1130 Sheridan Ave, Cody, WY 82414Directions
Douglas area · 1
- Douglas Branch240 S 4th St, Douglas, WY 82633Directions
Evanston area · 1
- Evanston Branch848 Main St, Evanston, WY 82930Directions
Rock Springs area · 1
- Green River Branch10 Shoshone Ave, Green River, WY 82935Directions
Jackson area · 1
- Jackson Branch160 W Pearl Ave, Jackson, WY 83001Directions
Kemmerer area · 1
- Kemmerer Branch801 Pine Ave, Kemmerer, WY 83101Directions
Laramie area · 1
- Laramie Branch222 E Garfield St, Laramie, WY 82070Directions
Lusk area · 1
- Lusk Branch231 S Main St, Lusk, WY 82225Directions
Saratoga area · 1
- Saratoga Platte Valley Branch302 N 1st St, Saratoga, WY 82331Directions
Sheridan area · 1
- Sheridan Branch2 N Main St, Sheridan, WY 82801Directions
Wheatland area · 1
- Wheatland Branch611 9th St, Wheatland, WY 82201Directions
Oklahoma
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.