How Big Is BMO Harris Central NA?
BMO Harris Central NA holds $8M in total assets and $1M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,948th-largest of the 3,960 FDIC-insured banks we track. Those figures come from BMO Harris Central NA's latest FDIC call report (cert #58216); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
This page answers a common banking-safety question: How Big Is BMO Harris Central NA?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
BMO Harris Central NA Size at a Glance
- Total assets
- $8M
- Total deposits
- $1M
- Domestic deposits
- $1M
- Size class
- small bank
- Rank by assets
- #3,948 of 3,960
- Headquarters
- Roselle, Illinois
Source: FDIC Call Report data (cert #58216). Figures reflect the latest reported quarter.
With $8M in total assets, BMO Harris Central NA is one of the smallest FDIC-insured institutions, with under $100 million in assets. Nationally, that makes it the 3,948th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $1M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 446.05% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 97.80% | 100/100 |
| Return on Assets | 0.54% | 42/100 |
| Total Assets | $0.0B | |
How does BMO Harris Central NA compare?
With a Bank Health Score of 94/100, BMO Harris Central NA sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, BMO Harris Central NA ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 446.05% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, BMO Harris Central NA's Bank Health Score held roughly steady at 94/100. Tier 1 capital strengthened by 0.48 percentage points to 446.05%.
Frequently Asked Questions
BMO Harris Central NA holds $8M in total assets and $1M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,948th-largest of the 3,960 FDIC-insured banks we track. Those figures come from BMO Harris Central NA's latest FDIC call report (cert #58216); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
BMO Harris Central NA ranks 3,948th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $8M in assets classify it as a small bank.
BMO Harris Central NA reports $8M in total assets and $1M in total deposits ($1M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. BMO Harris Central NA earns a Bank Health Score of 94/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $8M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. BMO Harris Central NA (FDIC certificate #58216) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about BMO Harris Central NA
BMO Harris Central NA holds $8M in total assets and $1M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,948th-largest of the 3,960 FDIC-insured banks we track. Those figures come from BMO Harris Central NA's latest FDIC call report (cert #58216); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.