BMO Bank NA Branches

BMO Bank N.A. is the U.S. personal and commercial banking arm of BMO Financial Group, one of North America’s largest banks with roots dating back to 1817 in Montreal. From its U.S. headquarters in Chicago, BMO Bank N.A. operates a broad branch network that serves everyday consumers, small businesses, and commercial clients with full‑service banking.

The bank’s U.S. presence has been built over generations. A key building block was Harris Bank, founded in Chicago in 1882 and later acquired by BMO, which gave the group a longstanding foothold in major Midwest markets. A major milestone in its recent history was the acquisition of Bank of the West in January 2023. That deal significantly expanded BMO’s reach across the western United States, increased its branch base, and created a contiguous coast‑to‑coast footprint anchored by strong positions in the Midwest.

As of December 2024, BMO Bank N.A. operates roughly 1,000 U.S. branches across the Midwest, Mountain West, and select coastal markets. The network includes both urban and suburban locations in core metropolitan areas, often in established commercial corridors and neighborhood centers. Over the last five years, the brand has shifted from a largely Midwest‑centric bank to a truly national player, integrating the Bank of the West system, consolidating overlapping sites in mature markets, and investing in new locations in growth corridors.

Today, BMO Bank N.A. is in a post‑merger optimization and targeted growth phase. The bank is selectively adding branches in high‑growth metropolitan areas across the Midwest, western United States, and along key U.S.–Canada trade corridors, while trimming duplicative locations where the combined network now has strong density. This approach allows BMO to deepen its presence where it sees long‑term potential in both consumer and commercial relationships.

For owners and developers, BMO brings a combination of national balance‑sheet strength and an active multi‑market branch strategy. The bank occupies a range of formats, from freestanding corner sites to in‑line neighborhood locations and mixed‑use urban projects, often pairing traditional teller and advisory services with drive‑up and ATM access. With a larger coast‑to‑coast footprint and an emphasis on market share growth in select metros, BMO Bank N.A. remains a meaningful, stable credit tenant in both established and emerging commercial areas.