Total Assets
$252.1B
Total balance-sheet footings
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.
- $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.
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.
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 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
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
39th percentile nationally
0.95%
Return on Equity (ROE)
6.74%
Efficiency Ratio
53.85%
What the numbers say about BMO Bank National Association
BMO Bank National Association is an FDIC-insured institution (Certificate #16571) headquartered in Chicago, Illinois, established in 1947. It holds $252.1B in total assets - 16th of 4,313 FDIC-insured banks, $197.0B in customer deposits, and $137.6B in net loans. Capital-wise, the Tier 1 ratio sits at 14.74%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.78%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (81 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, BMO Bank National Association sits in the top decile of all FDIC-insured institutions by asset size (16th of 4,313), and within Illinois it ranks 1st of 330 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is The Northern Trust Company, at $176.4B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Illinois by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is BMO Bank National Association's health grade?▼
BMO Bank National Association receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is BMO Bank National Association?▼
BMO Bank National Association holds $252.1B in total assets and $197.0B in deposits, ranking 16th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chicago, Illinois.
Is my money safe at BMO Bank National Association?▼
Yes, deposits at BMO Bank National Association (Certificate #16571) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BMO Bank National Association's Tier 1 Capital Ratio?▼
BMO Bank National Association has a Tier 1 Capital Ratio of 14.74%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for BMO Bank National Association?▼
BMO Bank National Association has a Texas Ratio of 3.78%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BMO Bank National Association?▼
BMO Bank National Association has an Efficiency Ratio of 53.85%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BMO Bank National Association's profile as a depositor or analyst.
- BMO Bank National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BMO Bank National Association against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.