PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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