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
Unfavorable gap of $0.8B · efficiency ratio beats 70% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 1.00% | 1.26% | 1.54% | Beats 65% | 51 / 144 | | |
| Return on Equity | 12.81% | 8.98% | 11.34% | 14.40% | Beats 67% | 48 / 144 | | |
| Net Interest Margin | 3.08% | 2.82% | 3.31% | 3.68% | Beats 37% | 91 / 144 | | |
| Efficiency Ratio | 51.36% | 49.42% | 56.02% | 62.41% | Beats 70% | 44 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.48% | 0.73% | 1.07% | Beats 85% | 23 / 142 | | |
| Net Charge-Offs / Loans | 0.10% | 0.05% | 0.11% | 0.22% | Beats 56% | 63 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 11.75% | 12.07% | 12.98% | 14.92% | Beats 14% | 124 / 144 | | |
| Total Risk-Based Capital Ratio | 12.62% | 13.39% | 14.14% | 16.25% | Beats 10% | 130 / 144 | | |
| Equity / Assets | 10.88% | 9.69% | 11.39% | 12.96% | Beats 41% | 85 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.40% | 75.72% | 84.92% | 91.56% | 15th pctl | 121 / 143 | | |
| Loans / Assets | 57.24% | 59.83% | 69.07% | 74.80% | 22nd pctl | 113 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |