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UMB Bank, National Association

Kansas City, MO · Cert 8273 · UMB Financial Corp.

National charter · OCC · 192 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

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 over $10B in assets (n=142 to 144). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

70

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, National Association

Kansas City, MO · Cert 8273 · UMB Financial Corp.

National charter · OCC · 192 branches

Q2 2026

$71.9BAssets
$41.2BLoans
$60.2BDeposits
$7.8BEquity
Loan mix
58%RE $21.2B41%C&I $14.8B2%Consumer $0.6BQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $43.6B28%Noninterest $16.6BQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 34.5% share · #1 of 114 inst. · $34.2B of $99.1B

58.4% Jackson
6.8% Denver
2.0% Maricopa
3.9% St. Louis (City)

Executive Summary

  • Earnings: ROA of 1.39%, up 47 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.34% of loans (+6 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 8.89%, up 95 bps from a year ago.
  • Funding: loans stand at 68.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.39%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+44 bps YoY

Efficiency Ratio (YTD, annualized)

48.02%-896 bps YoY

Tier 1 Leverage Ratio

8.89%+95 bps YoY

NIM

4.93%Q2 ’244.73%Q2 ’254.93%Q2 ’26+14%+17%

Non-interest income vs. expense

1.99%Q2 ’242.13%Q2 ’252.05%Q2 ’26+42%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.98%0.67%0.92%0.96%1.01%1.38%1.39%+47 bps
Return on Equity13.47%13.55%7.85%10.15%10.26%10.56%13.19%13.06%+291 bps
Net Interest Margin2.25%2.26%2.70%2.63%2.66%2.71%3.09%3.08%+44 bps
Efficiency Ratio58.58%58.48%59.38%56.99%57.19%56.76%48.11%48.02%-896 bps
Non-Interest Burden0.89%0.90%1.35%1.25%1.27%1.30%1.14%1.14%-12 bps
Growth
Asset Growth (YoY)14.66%14.68%53.14%61.62%51.43%45.12%4.83%0.64%-6,098 bps
Loan Growth (YoY)9.23%10.65%52.02%52.11%50.86%51.22%11.68%11.80%-4,032 bps
Deposit Growth (YoY)18.67%20.53%56.95%65.18%51.74%40.95%3.76%-0.70%-6,589 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.10%0.30%0.28%0.37%0.42%0.41%0.34%+6 bps
Net Charge-Offs / Loans0.08%0.09%0.40%0.28%0.25%0.21%0.19%0.17%-11 bps
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 Ratio8.55%8.52%8.53%7.94%8.13%8.29%8.59%8.89%+95 bps
Total Risk-Based Capital12.27%12.24%11.35%11.65%11.96%12.20%12.43%12.62%+97 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits62.74%59.20%61.82%60.75%62.37%63.52%66.53%68.40%+765 bps
Liquid Assets / Assets11.60%10.73%8.28%7.70%7.91%7.87%7.88%7.95%+25 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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, National Association

Kansas City, MO · Cert 8273 · Peer group: banks over $10B in assets (n=142-144) · UMB Financial Corp.

National charter · OCC · 192 branches

Q2 2026

$71.9BAssets
$41.2BLoans
$60.2BDeposits
$7.8BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks over $10B in assets (rank 23 of 142).
  • Widest gap: total risk-based capital ratio trails 90% of banks over $10B in assets (rank 130 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 51 of 144

Net Interest Margin

3.08%

Rank 91 of 144

Efficiency Ratio

51.36%

Rank 44 of 144

Equity / Assets

10.88%

Rank 85 of 144

Non-interest income vs. expense

$0.6B$1.4BINCOMEEXPENSE
Unfavorable gap of $0.8B · efficiency ratio beats 70% of banks over $10B in assets
Bank 51.36%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.39%1.00%1.26%1.54%Beats 65%51 / 144
Return on Equity12.81%8.98%11.34%14.40%Beats 67%48 / 144
Net Interest Margin3.08%2.82%3.31%3.68%Beats 37%91 / 144
Efficiency Ratio51.36%49.42%56.02%62.41%Beats 70%44 / 144
Asset Quality
Nonperforming Loans / Loans0.34%0.48%0.73%1.07%Beats 85%23 / 142
Net Charge-Offs / Loans0.10%0.05%0.11%0.22%Beats 56%63 / 142
Capital
Tier 1 Capital Ratio11.75%12.07%12.98%14.92%Beats 14%124 / 144
Total Risk-Based Capital Ratio12.62%13.39%14.14%16.25%Beats 10%130 / 144
Equity / Assets10.88%9.69%11.39%12.96%Beats 41%85 / 144
Liquidity & Funding
Loans / Deposits68.40%75.72%84.92%91.56%15th pctl121 / 143
Loans / Assets57.24%59.83%69.07%74.80%22nd pctl113 / 144
Brokered Deposits / Depositsn/aNot reported for this institution