BMO Bank N.A.
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Data as of · sourced from FFIEC call reports. How we update
BMO Bank N.A. is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 1947 (FDIC certificate 16571), and it is supervised by the OCC. At Q2 2026 it reported total assets of $254.97B, up 0.5% from Q2 2025, the largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 16571
- Headquarters
- Chicago, IL
- Established
- 1947
- Total assets, Q2 2026
- $254.97B
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 14.97%
- Domestic offices
- 988 FDIC institution directory, current count
- Routing number
- 071000288
- Latest call report
- Q2 2026, FFIEC 031 · BMO Bank N.A. call report
- Holding company
- BMO FINANCIAL CORP.
- Asset rank in state
- 1st of 319 in Illinois
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 988 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 $250 billion or more 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 0.92% and a Texas ratio of 4.72%. The figures come from its call report filed with the FFIEC.
BMO Bank N.A. ranks as the largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $254.97B, loans rose 0.9% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 31.6% of total loans, ahead of 1-4 family residential loans at 19.7%. By the capital ratios in its Q2 2026 call report, BMO Bank N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 988 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, BMO Bank N.A.'s total assets ranged from $249.34B (Q3 2025) to $265.69B (Q4 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$254.97B total assets against $253.74B; $218.50B total liabilities against $217.55B.
$139.42B net loans and leases against $140.00B; $194.14B total deposits against $199.27B.
$64.76B securities against $63.22B; $25.59B cash and balances due against $23.82B.
$2.93B total interest income against $3.12B; $1.07B total interest expense against $1.30B.
$1.86B net interest income against $1.81B.
$431.7M total noninterest income against $397.7M; $2.68B total noninterest expense against $1.25B.
$3.5M provision for credit losses against $56.0M.
-$548.5M net income against $669.1M.
-0.86% return on assets against 1.03%; 3.21% net interest margin against 3.08%.
14.97% CET1 capital ratio against 14.21%; 11.29% tier 1 leverage ratio against 10.52%.
Inside the full BMO Bank N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 16 of 4,196, for total assets; its furthest is 3,584 of 3,606, for efficiency ratio.
Metric pages for BMO Bank N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.86% (Q2 2026) to 1.86% (Q3 2024) and its net interest margin ran from 2.88% (Q3 2024) to 3.24% (Q4 2025).
| 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
View all 988 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired Bank of the West Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 M & I Bank N.A. 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 | Structure Change | Acquired Ozaukee Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired First National Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 Libertyville 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
Facts as filed or published, not a rating.
- 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 379 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
- 1,359 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is BMO Bank N.A. headquartered?
It is headquartered in Chicago, IL, United States.
When was BMO Bank N.A. founded?
It was established in 1947, per the FDIC institution directory.
Is BMO Bank N.A. FDIC-insured?
Yes. It 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.
What is BMO Bank N.A.'s CET1 capital ratio?
It 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?
It operates 988 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?
Its Texas Ratio is 4.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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