$255B
total assets, June 30, 2026
BMO Bank National Association is a national bank based in Chicago, IL, owned by Bank of Montreal (BMO). As of June 30, 2026 it held $255.0 billion in assets and $194.1 billion in deposits; assets were up 0.5% from a year before. It has 988 branches in 23 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$255B
+0.5% in a year · +1.2% in a quarter
Deposits
$194B
-2.6% in a year · +0.1% in a quarter
Loans
$142B
-0.5% in a year · +0.9% in a quarter
Profit so far
$184M
Jan 1 to Jun 30, 2026 · -83.2% in a year
Capital ratio
11.29%
+0.76 pts in a year
Return on assets
0.15%
-0.70 pts in a year
Facts
- Type
- National bank
- Head office
- 320 S Canal St, Chicago, IL, 60606
- County
- Cook
- Holding company
- Bank of Montreal (BMO)
- Established
- May 17, 1947
- Employees
- 16,526
- Branches
- 988 in 23 states
- Website
- www.bmo.com
- Id
- b16571
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
988 offices as of June 30, 2026, holding $194.1 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Illinois | 179 | $107B | 55.0% |
| California | 226 | $33.2B | 17.1% |
| Wisconsin | 145 | $22.0B | 11.3% |
| Minnesota | 36 | $5.2B | 2.7% |
| Indiana | 49 | $5.1B | 2.6% |
| Arizona | 62 | $5.0B | 2.6% |
| Colorado | 68 | $3.9B | 2.0% |
| Florida | 18 | $2.1B | 1.1% |
| Missouri | 23 | $2.0B | 1.0% |
| Oregon | 21 | $1.2B | 0.6% |
| New Mexico | 20 | $1.2B | 0.6% |
| Nebraska | 29 | $1.2B | 0.6% |
The 12 states with the most deposits, of 23.
| Largest branches | Place | Deposits |
|---|---|---|
| Bmo Bank National Association (main office) | Chicago, IL | $85.6B |
| San Ramon Branch | San Ramon, CA | $4.6B |
| North Water Street Branch | Milwaukee, WI | $4.0B |
| Lake Street Branch | Minneapolis, MN | $3.4B |
| L.A. Main Branch | Los Angeles, CA | $2.6B |
| Plaza Branch | Indianapolis, IN | $2.2B |
| Capital Square Branch | Madison, WI | $1.8B |
| San Francisco - 295 Bush St Branch | San Francisco, CA | $1.4B |
| Wausau | Wausau, WI | $1.4B |
| Newport Beach Branch | Newport Beach, CA | $1.3B |
Consumer complaints
Complaints consumers sent about BMO Bank National Association, 12 months to Sep 2026
Last 12 months
1,346
+13.2% vs the 12 months before
Closed with relief
30.8%
Money back: 15.2%
Answered on time
100.0%
4 still in progress
Most common product
Bank accounts
61% of its complaints
Complaints per month
Hover a month for the count
By product
12 months to Sep 2026
| Top issues | Complaints | Share | Relief |
|---|---|---|---|
| Managing an account | 500 | 37.1% | 41.4% |
| Closing an account | 152 | 11.3% | 29.8% |
| Opening an account | 88 | 6.5% | 22.7% |
| Incorrect information on your report | 83 | 6.2% | 13.3% |
| Problem with a lender or other company charging your account | 50 | 3.7% | 28.0% |
| Managing the loan or lease | 49 | 3.6% | 32.6% |
| Improper use of your report | 32 | 2.4% | 3.1% |
| Trouble during payment process | 32 | 2.4% | 12.5% |
Counted under BMO Bank National Association. Counts depend on company size: large companies get more complaints. The newest month is partial. More in the BMO Risk & Compliance tab.
Related pages
Questions and answers
How big is BMO Bank National Association?
$255.0 billion in total assets and $194.1 billion in deposits as of June 30, 2026, with assets up 0.5% from a year before. Its loans were $141.6 billion.
How many branches does BMO Bank National Association have?
988 branches in 23 states as of June 30, 2026. The most deposits are in Illinois ($106.9 billion).
Is BMO Bank National Association profitable?
Yes: it earned $184.4 million from January 1 to June 30, 2026 (down 83.2% from the same months a year before). Its return on assets was 0.15% a year; about 1% is typical.
Who owns BMO Bank National Association?
BMO Bank National Association is owned by Bank of Montreal, its holding company, which is listed as BMO.
How many consumer complaints does BMO Bank National Association get?
1,346 complaints in the 12 months to Sep 2026, up 13.2% from the 12 months before. 31% of closed complaints ended with relief, and 100.0% were answered on time.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.