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
Favorable gap of $0.0M · efficiency ratio beats 2% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.13% | 0.96% | 1.32% | 1.75% | Beats 2% | 81 / 83 | |
| Return on Equity | 0.13% | 9.66% | 12.96% | 15.76% | Beats 1% | 82 / 83 | |
| Net Interest Margin | 0.20% | 3.35% | 3.85% | 4.16% | Beats 0% | 83 / 83 | |
| Efficiency Ratio | 99.86% | 49.83% | 58.83% | 68.51% | Beats 2% | 82 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 103.03% | 11.01% | 12.49% | 14.98% | Beats 99% | 1 / 83 | |
| Total Risk-Based Capital Ratio | 103.03% | 11.13% | 13.01% | 15.10% | Beats 99% | 1 / 83 | |
| Equity / Assets | 100.00% | 8.83% | 10.71% | 13.29% | Beats 99% | 1 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | 0.00% | 59.34% | 71.15% | 78.36% | 0th pctl | 83 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |