BMO Bank N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
BMO Bank N.A. is the 16th-largest bank in the United States, with $255.0 billion in assets at June 30, 2026. It is headquartered in Chicago, Illinois, and operates 987 domestic branches. It loses about $0.86 a year on every $100 of assets, lower than about 9 in 10 of the 18 US banks with more than $250 billion in assets (median $1.23). It also spends about 114 cents to bring in each dollar of revenue, about double the median of 54 cents for banks its size.
It lost $549 million in the quarter. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.89% of loans, down from 1.24% a year earlier. Funding is the softer spot: it holds about half of its deposits (53%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 44.6%).
As of June 30, 2026, BMO Bank N.A. reported a CET1 capital ratio of 14.97%, a return on assets of -0.86%, a nonperforming-loan ratio of 1.43% and a Texas ratio of 4.72%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 320 S Canal St, Chicago, IL 60606
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- May 17, 1947
- Former names
- BMO Harris Bank National Association (2011-2023); Harris National Association (2005-2011); Harris Bank Glencoe-Northbrook, National Association (1985-2005)
- Offices
- 987 domestic
- Employees (FTE)
- 16,526
- Domestic deposits
- $194.14B
- Allowance for credit losses
- $2.22B
- Net charge-offs (YTD)
- $140.3M
- Average total assets
- $253.97B
- Average total loans
- $140.17B
- Average interest-bearing deposits
- $179.39B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 17, 1947
- FDIC Cert
- 16571
- Fed RSSD
- 75633
- SEC CIK
- 927971 → filed by BANK OF MONTREAL
- Website
- www.bmo.com →
- Parent Holding Company
- BMO FINANCIAL CORP. (RSSD 1245415)
- Ultimate Parent
- BANK OF MONTREAL (RSSD 1231333)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full BMO Bank N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock BMO Bank N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
BMO Bank N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for BMO Bank N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.97% | -0.86% | 0.92% | 4.72% | 3.21% |
| Q1 2026 | 14.99% | 1.16% | 1.01% | 5.16% | 3.20% |
| Q4 2025 | 14.74% | 1.05% | 1.07% | 5.54% | 3.24% |
| Q3 2025 | 14.73% | 1.05% | 1.13% | 5.98% | 3.19% |
| Q2 2025 | 14.21% | 1.03% | 1.27% | 7.02% | 3.08% |
| Q1 2025 | 13.70% | 0.65% | 1.39% | 8.02% | 2.98% |
| Q4 2024 | 13.25% | 0.90% | 1.29% | 7.97% | 3.01% |
| Q3 2024 | 13.18% | 1.86% | 0.99% | 6.00% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 988 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BMO Bank N.A. (main office) | Chicago , IL | 60606 | $85.57B |
| San Ramon Branch | San Ramon , CA | 94583 | $4.58B |
| North Water Street Branch | Milwaukee , WI | 53202 | $4.05B |
| Lake Street Branch | Minneapolis , MN | 55408 | $3.40B |
| L.A. Main Branch | Los Angeles , CA | 90017 | $2.58B |
| Plaza Branch | Indianapolis , IN | 46204 | $2.25B |
| Capital Square Branch | Madison , WI | 53703 | $1.82B |
| San Francisco - 295 Bush St Branch | San Francisco , CA | 94104 | $1.38B |
| Wausau | Wausau , WI | 54403 | $1.38B |
| Newport Beach Branch | Newport Beach , CA | 92660 | $1.34B |
| Harris Bk Naperville Branch | Naperville , IL | 60563 | $1.25B |
| L.A. Bunker Hill Branch | Los Angeles , CA | 90071 | $1.24B |
| Phoenix Camelback Branch | Phoenix , AZ | 85012 | $1.12B |
| San Diego Main Branch | San Diego , CA | 92101 | $1.11B |
| San Jose Main Branch | San Jose , CA | 95110 | $1.09B |
| Harris Bk Hinsdale Na Branch | Hinsdale , IL | 60521 | $854.1M |
| Sacramento Main Branch | Sacramento , CA | 95814 | $825.8M |
| Long Beach City Place Branch | Long Beach , CA | 90802 | $775.5M |
| Denver-Downtown | Denver , CO | 80293 | $750.3M |
| Crescent Court Branch | Dallas , TX | 75201 | $609.6M |
| The Hill Branch | Saint Louis , MO | 63110 | $602.3M |
| Tampa Branch | Tampa , FL | 33602 | $592.4M |
| Seattle Branch | Seattle , WA | 98101 | $587.3M |
| Harris Bk Arlington-MeadowsRolling Meadows Branch | Rolling Meadows , IL | 60008 | $572.4M |
| Sherman Oaks Branch | Sherman Oaks , CA | 91403 | $522.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2025 | M&A | Acquired BMO Harris Financial Advisors, Inc. merger for the acquired bank | SEC |
| April 1, 2025 | Structure Change | Acquired BMO Harris Financial Advisors, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2023 | Structure Change | Acquired Bank of the West Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2020 | Structure Change | Acquired BMO Harris Equipment Finance Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2012 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2012 | Structure Change | Acquired M&I Dealer Finance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2012 | Structure Change | Acquired M&I Business Credit, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 30, 2011 | Structure Change | Acquired M&I Community Development Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 6, 2011 | Structure Change | Acquired The Harris Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 5, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 24, 2010 | Structure Change | Acquired AMCORE Bank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 23, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 6, 2008 | Structure Change | Acquired Ozaukee Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2008 | Structure Change | Acquired Community Financial Group Mortgage, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 12, 2007 | Structure Change | Acquired First National Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 26, 2006 | Structure Change | Acquired Mercantile National Bank of Indiana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 2006 | Structure Change | Acquired NLSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 17, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 3, 2005 | Structure Change | Acquired Villa Park Trust & Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 2, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 28, 2005 | Structure Change | Acquired Harris Bank Oakbrook Terrace Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 26 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for BMO Bank N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC); 6 against individuals associated with it
- November 14, 2013, OCC: GLBA Agreement: Bmo Harris Bank National Association
- April 29, 2013, OCC: Formal Agreement: Bmo Harris Bank National Association
- Period: Most recent institution action November 14, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 14.5% of deposits in IL, rank 2 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 36,083 applications, 16,529 loans originated, $6.72B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 40 loans, $41.6M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 1,354 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about BMO Bank N.A.
What are BMO Bank N.A.'s total assets?
As of the Q2 2026 filing, BMO Bank N.A. reported total assets of $254.97 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is BMO Bank N.A. headquartered?
BMO Bank N.A. is headquartered in Chicago, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was BMO Bank N.A. founded?
BMO Bank N.A. was established in 1947, per the FDIC institution directory.
Is BMO Bank N.A. FDIC-insured?
Yes. BMO Bank N.A. is an FDIC-insured commercial bank (FDIC Certificate #16571). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BMO Bank N.A.?
BMO Bank N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is BMO Bank N.A.'s CET1 capital ratio?
BMO Bank N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 14.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BMO Bank N.A. operate?
BMO Bank N.A. operates 987 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BMO Bank N.A.'s Texas Ratio?
BMO Bank N.A.'s Texas Ratio is 4.72% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was BMO Bank N.A. previously called?
The charter now named BMO Bank N.A. has also operated as BMO Harris Bank National Association (2011-2023), Harris National Association (2005-2011), Harris Bank Glencoe-Northbrook, National Association (1985-2005), per FDIC structure-change records.
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