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Bank of the West

Our records indicate that this bank has been acquired by BMO Bank National Association.


Phone: 800 488 2265

Bank of the West is an FDIC insured institution headquartered at 180 Montgomery St, San Francisco, CA 94104.
It was founded in 1874 and has approximately $94 billion in assets. Customers can open an account at one of its 586 branches.

Deposit Rates - December 22, 2025

SAVINGS RATES APY MIN
Savings
0.01% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.05% $10,000 Compare
6 Mo CD
0.05% $100,000 Compare
12 Mo CD
0.10% $10,000 Compare
12 Mo CD
0.10% $100,000 Compare
Special: 13 Mo CD
0.30% $2,500 Compare
18 Mo CD
0.20% $10,000 Compare
18 Mo CD
0.20% $100,000 Compare
24 Mo CD
0.25% $10,000 Compare
24 Mo CD
0.25% $100,000 Compare
30 Mo CD
0.20% $10,000 Compare
30 Mo CD
0.20% $100,000 Compare
36 Mo CD
0.30% $10,000 Compare
36 Mo CD
0.30% $100,000 Compare
48 Mo CD
0.40% $10,000 Compare
48 Mo CD
0.40% $100,000 Compare
60 Mo CD
0.40% $10,000 Compare
60 Mo CD
0.40% $100,000 Compare
MM RATES APY MIN
Money Market
0.03% $2,500 Compare
Money Market
0.03% $10,000 Compare
Money Market
0.08% $25,000 Compare
PREMM RATES APY MIN
Premium Money Market
0.07% $10,000 Compare
Premium Money Market
0.12% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.01% $2,500




Loan Rates - December 22, 2025

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
5 Year Fixed Adjustable
8.84% $6,450.23
15 Year Fixed Conforming
6.16% $2,759.65
15 Year Fixed Jumbo
7.60% $2,921.16
30 Year Fixed Jumbo
6.23% $1,935.05
30 Year Fixed Conforming
6.73% $2,123.17
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
5 Year Fixed Adjustable
8.84% $6,450.23
15 Year Fixed Conforming
6.16% $2,759.65
15 Year Fixed Jumbo
7.60% $2,921.16
30 Year Fixed Jumbo
6.23% $1,935.05
30 Year Fixed Conforming
6.73% $2,123.17
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
6.04% Varies
Compare with 0 RATE Line of Credit from Figure Home Equity Line Figure Home Equity Line
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 8.5 RATE Line of Credit from Farmers Bank of Kansas City Farmers Bank of Kansas City
See Other Home Equity Rates →

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 3514
Date Established 1874
Assets $ 94.49 billion
Loans $ 59.57 billion
Deposits $ 72.13 billion
Capital $ 9.22 billion

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 3.11 billion
Interest-bearing balances $ 2.28 billion
Total securities $ 20.14 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 59.57 billion
Loan loss allowance $ 580.14 million
Trading account assets $ 40.78 million
Bank premises and fixed assets N.A.
Other real estate owned $ 5.01 million
Goodwill and other intangibles $ 4.22 billion
All other assets $ 3.45 billion
     Total Assets $ 82.36 billion

LIABILITIES
Total deposits $ 72.13 billion
      Interest-bearing deposits $ 48.94 billion
      Deposits held in domestic offices $ 72.13 billion
      % insured (estimated)" 49.34%
Federal funds purchased and repurchase agreements $ 3.87 billion
Trading liabilities $ 447.58 million
Other borrowed funds $ 212.59 million
Subordinated debt N.A.
All other liabilities $ 1,126.95 millionn
      Total Liabilities $ 82.36 billion
      Shareholders’ Equity $ 12.13 billion

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 2.85 billion
Total Interest Expense $ 383.98 million
Net interest income $ 2.47 billion
Provision for loan and lease losses N.A.
Total non interest income $ 568.01 million
Total non interest expense $ 2.00 billion
Pre-tax Net Operating Income $ 572.97 million

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Branches

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Bank of the West Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Bank of the West
    Bank
    CALIFORNIA
    $50,000
    N.A.
    0.01%
    0.04x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.59x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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