FDIC Cert #16571 · Chicago, Illinois · Est. 1947

BMO Bank National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$252.1B
Total assets
A
Health grade · Excellent
0.95%
Return on assets
14.7%
Tier 1 capital

Data updated July 2026

The verdict

BMO Bank National Association earns a PlainBankData health grade of A (81/100), with well-capitalized at 14.74% Tier 1, 0.95% ROA, efficient (54% cost ratio).

#16
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
14.74%
Tier 1 ratio - above the 10% well-capitalized line
39th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 16571 · IL A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1844/4307
  • PHOTO-FINISH Waukesha State Bank · WI
  • TIER1-WELL 14.7% Tier 1
  • TEXAS-CLEAN 3.8% Texas
  • ROA-PAR 0.95% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Waukesha State Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around BMO Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BMO Bank National As… · IL ·…81/100The First State Bank · TX · …81/100Waukesha State Bank · WI · n…81/100West Bank · IA · near81/100West Plains Bank and… · MO ·…81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BMO Bank · July 2026

Call Report read for BMO Bank in a high-failure state

BMO Bank National Association (FDIC Cert #16571) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,844 of 4,307. Tier 1 capital prints at 14.74%, clearing the 10% well-capitalized line. The Texas Ratio is 3.78%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.95%. Balance-sheet scale is $252.1B, 16th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Waukesha State Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around BMO Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

BMO Bank National Association sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about BMO Bank National Association's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How BMO Bank National Association's 81/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10081/100
BMO Bank National Association's composite health score
Tier 1 Capital Ratio (14.74%) 35/40
Return on Assets (ROA) (0.95%) 14/25
Texas Ratio (3.78%) 20/20
Efficiency Ratio (53.85%) 12/15

81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$252.1B

Total balance-sheet footings

Total Deposits

$197.0B

Customer-funded liabilities

Net Loans

$137.6B

Outstanding loan book

Net Income

$2.4B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.34% 14.74% 16.14%
Basel III capital ratios - BMO Bank National Association

Where BMO Bank National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BMO Bank National Association's score of 81/100 falls in the highlighted band.

BMO Bank National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. BMO Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

BMO Bank National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BMO Bank National Association's $252.1B falls in the highlighted band.

Capital & credit buffers at BMO Bank

Tier 1 capital ratio
Well-capitalized 10%

14.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.74%
Texas Ratio
3.78%
Equity Capital
$37.4B

What these ratios mean →

Profitability metrics: BMO Bank

Return on Assets (ROA)
39th percentile nationally
0.95%
Return on Equity (ROE)
6.74%
Efficiency Ratio
53.85%

What these mean →

Income & expense at BMO Bank

$12.4B
Interest Income
$1.6B
Non-Interest Income
$5.0B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. BMO Bank National Association reports a Texas Ratio of 3.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View BMO Bank National Association on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to BMO Bank National Association by assets

Measured strictly by total assets rather than geography, BMO Bank National Association's closest national peers include Morgan Stanley Bank, Charles Schwab Bank, SSB, Morgan Stanley Private Bank, First-Citizens Bank & Trust Company, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Illinois. Averaged across this asset-matched cohort, return on assets runs 1.16% (BMO Bank National Association is below that at 0.95%), the efficiency ratio averages 40.71% (BMO Bank National Association runs higher at 53.85%), and Tier 1 capital averages 19.80% (BMO Bank National Association holds less at 14.74%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $252.1B in assets, BMO Bank National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to BMO Bank National Association nationally by total assets
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  5. 5
    Citizens Bank $225.9B

    Providence, RI · Grade B

  6. 6
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
BMO Bank National Association (this bank) IL $252.1B 0.95% 53.85% 14.74%
Morgan Stanley Bank, National Association UT $253.3B 1.86% 19.99% 20.29%
Charles Schwab Bank, SSB TX $253.8B 0.94% 21.49% 35.93%
Morgan Stanley Private Bank, National Association NY $254.7B 1.10% 23.14% 26.06%
First-Citizens Bank & Trust Company NC $229.3B 1.00% 62.36% 12.55%
Citizens Bank, National Association RI $225.9B 0.87% 62.22% 12.27%
The Huntington National Bank OH $224.0B 1.20% 55.04% 11.72%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($252.1B here), outside Illinois so the neighborhood is not state containment.

Morgan Stanley Bank $253.3B · UT Charles Schwab Bank, SSB $253.8B · TX Morgan Stanley Private Bank $254.7B · NY First-Citizens Bank & Trust Company $229.3B · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BMO Bank National Association (FDIC Cert #16571) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

BMO Bank National Association Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%
First Mid Bank & Trust, National AssociationMattoon $7.9B A 1.15%