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Bmo Bank National Association
Chicago, IL · FDIC Certificate #16571 · Chartered 05/1
Total assets
$254.97B
Total deposits
$194.14B
Total equity
$36.47B
Net loans
$139.42B
Branches (offices)
988
Net income (YTD)
$184.42M
Rank: #16 of 4,213 U.S. banks by assets · #1 of 322 in Illinois. Assets changed 0.5% and deposits -2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.15% |
| Return on equity | 0.99% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 14.30% |
| Tier 1 leverage ratio | 11.29% |
| Uninsured deposits (share of deposits) | 52.7% |
| Noncurrent loans (share of loans) | 0.92% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 71.8% |
| Real estate loans (share of loans) | 41.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $57.13B | 41.0% | |
| Commercial & industrial | $44.70B | 32.1% | |
| Consumer / individual | $10.83B | 7.8% | |
| Construction & development | $4.49B | 3.2% | |
| Agricultural | $1.76B | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $163.20B | $133.33B | $887.86M | $15.40B |
| Jun 2023 | $263.43B | $202.24B | -$81.03M | $32.08B |
| Jun 2024 | $262.00B | $206.80B | $1.05B | $33.25B |
| Jun 2025 | $253.74B | $199.27B | $1.10B | $36.19B |
| Jun 2026 | $254.97B | $194.14B | $184.42M | $36.47B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $106.85B | 179 |
| California | $33.22B | 226 |
| Wisconsin | $22.00B | 145 |
| Minnesota | $5.24B | - |
| Indiana | $5.07B | 49 |
| Arizona | $4.96B | 62 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $194.14B.
Similar-sized banks
The Huntington National Bank ($283.07B) · Charles Schwab Bank, SSB ($250.83B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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