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UMB Bank & Trust, National Association

Kansas City, MO · Cert 34065

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MO (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

1

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

2

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

UMB Bank & Trust, National Association

Kansas City, MO · Cert 34065

FDIC

Q2 2026

$3.1MAssets
$0KLoans
$0KDeposits
$3.1MEquity

Executive Summary

  • Earnings: ROA of 0.13%, down 7 bps year over year; NIM at 0.20%.
  • Capital: tier 1 leverage ratio of 100.03%, unchanged from a year ago.

Return on Assets (YTD, annualized)

0.13%-7 bps YoY

Net Interest Margin (YTD, annualized)

0.20%0 bps YoY

Efficiency Ratio (YTD, annualized)

99.86%0 bps YoY

Tier 1 Leverage Ratio

100.03%0 bps YoY

NIM

0.20%Q2 ’240.20%Q2 ’250.20%Q2 ’260%0%

Non-interest income vs. expense

138.98%Q2 ’24137.22%Q2 ’25137.04%Q2 ’26

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.13%0.13%0.20%0.13%0.13%0.13%0.13%-7 bps
Return on Equity0.13%0.13%0.13%0.20%0.13%0.13%0.13%0.13%-7 bps
Net Interest Margin0.17%0.16%0.13%0.20%0.17%0.16%0.13%0.20%0 bps
Efficiency Ratio99.87%99.88%99.91%99.86%99.87%99.88%99.91%99.86%0 bps
Non-Interest Burden0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Growth
Asset Growth (YoY)0.13%0.13%0.13%0.13%0.13%0.13%0.10%0.13%0 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio100.03%100.03%100.00%100.03%100.03%100.00%100.03%100.03%0 bps
Total Risk-Based Capital103.04%103.04%103.00%100.00%103.04%103.04%103.03%103.03%+303 bps
Equity / Assets100.00%100.00%99.97%100.00%100.00%100.00%100.00%100.00%0 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

UMB Bank & Trust, National Association

Kansas City, MO · Cert 34065 · Peer group: banks under $1B in assets in MO (n=83)

FDIC

Q2 2026

$3.1MAssets
$0KLoans
$0KDeposits
$3.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets in MO (rank 1 of 83).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in MO (rank 83 of 83).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.13%

Rank 81 of 83

Net Interest Margin

0.20%

Rank 83 of 83

Efficiency Ratio

99.86%

Rank 82 of 83

Equity / Assets

100.00%

Rank 1 of 83

Non-interest income vs. expense

$4.2M$4.2MINCOMEEXPENSE
Favorable gap of $0.0M · efficiency ratio beats 2% of banks under $1B in assets in MO
Bank 99.86%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.13%0.96%1.32%1.75%Beats 2%81 / 83
Return on Equity0.13%9.66%12.96%15.76%Beats 1%82 / 83
Net Interest Margin0.20%3.35%3.85%4.16%Beats 0%83 / 83
Efficiency Ratio99.86%49.83%58.83%68.51%Beats 2%82 / 83
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio103.03%11.01%12.49%14.98%Beats 99%1 / 83
Total Risk-Based Capital Ratio103.03%11.13%13.01%15.10%Beats 99%1 / 83
Equity / Assets100.00%8.83%10.71%13.29%Beats 99%1 / 83
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%59.34%71.15%78.36%0th pctl83 / 83
Brokered Deposits / Depositsn/aNot reported for this institution