TellerScore

Headquartered in Chicago, Illinois, BMO Bank National Association is a national bank with $255.0B in total assets and $194.1B in deposits as of Q2 2026. It operates 987 offices across 22 states. Its charter dates back to 1947.

Based on its Q2 2026 filing, BMO Bank National Association scores 58/100, which we describe as moderate. That is higher than only 21% of 32 banks with over $100 billion. Among 326 banks headquartered in Illinois, it ranks 259th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is earnings (26/100; 0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.29%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.92%
Earnings26/100
Return on assets (annualized): 0.15%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 71.8% · 52.7% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 58).

TellerScore
556065Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202462
Q4 202458
Q1 202555
Q2 202558
Q3 202561
Q4 202562
Q1 202665
Q2 202658
Tier 1 leverage ratio
5.00%8.16%11.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.38%
Q3 20249.78%
Q4 20249.85%
Q1 202510.18%
Q2 202510.52%
Q3 202510.88%
Q4 202511.07%
Q1 202611.32%
Q2 202611.29%
Noncurrent loans
0.92%1.15%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.14%
Q3 20240.99%
Q4 20241.29%
Q1 20251.39%
Q2 20251.27%
Q3 20251.13%
Q4 20251.07%
Q1 20261.01%
Q2 20260.92%
Return on assets
0.15%0.66%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20241.17%
Q4 20241.10%
Q1 20250.66%
Q2 20250.85%
Q3 20250.92%
Q4 20250.95%
Q1 20261.16%
Q2 20260.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$255.0B11.29%0.92%0.15%71.8%
Q1 202665$252.0B11.32%1.01%1.16%71.2%
Q4 202562$252.1B11.07%1.07%0.95%69.8%
Q3 202561$249.3B10.88%1.13%0.92%70.3%
Q2 202558$253.7B10.52%1.27%0.85%70.3%
Q1 202555$257.0B10.18%1.39%0.66%70.3%
Q4 202458$263.7B9.85%1.29%1.10%69.4%
Q3 202462$264.3B9.78%0.99%1.17%69.3%
Q2 202456$262.0B9.38%1.14%0.80%70.8%

32 peers · Over $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.29%
94th
Total risk-based capital16.24%
71st
Problem loans0.92%
45th
Net charge-offs0.20%
74th
Return on assets0.15%
0th
Net interest margin3.28%
65th
Efficiency ratio84.4%
0th
Loans to deposits71.8%
52nd
Uninsured deposits52.7%
10th
Loan-loss reserves1.57%
61st
Texas ratio3.5%
65th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The Northern Trust CompanyBank Chicago, IL67 out of 100, Moderate$178.6B6.8%0.23%vs

Deposit insurance

Is my money safe at BMO Bank National Association?

Yes. BMO Bank National Association is an FDIC-insured institution (FDIC certificate #16571). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.7% of deposits ($102.3B) are above the $250,000 FDIC insurance limit, above the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.24% (benchmark: 10%).

Check how much of your own balance is covered

987 locations

Branches

BMO Bank National Association lists 693 offices in 400 cities across 22 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 3,939 consumer complaints about BMO BANK NATIONAL ASSOCIATION to the company (1,343 in the last 12 months). 100.0% received a timely response. That is 20.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

Identity & history

Profile

Legal name
BMO Bank National Association
Former names
Harris National Association; BMO Harris Bank National Association; Harris Bank Glencoe-Northbrook, National Association; Glencoe National Bank
Type
National bank
FDIC certificate #
16571
RSSD ID
75633
Primary regulator
OCC
Holding company
Bank of Montreal
Established
May 17, 1947
Headquarters
320 S Canal St, Chicago, IL 60606
Employees
16,526

Quick answers

BMO Bank National Association: common questions

Is BMO Bank National Association FDIC insured?

Yes. BMO Bank National Association is an FDIC-insured institution (FDIC certificate #16571). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BMO Bank National Association's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has BMO Bank National Association ever failed?

There is no failure record for FDIC certificate #16571 in the FDIC failed bank list.

How many branches does BMO Bank National Association have?

987 offices as of the latest FDIC data, in 22 states.

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