Kansas City, MO · Cert 8273 · UMB Financial Corp.
National charter · OCC · 192 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 34.5% share · #1 of 114 inst. · $34.2B of $99.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.96% | 1.01% | 1.38% | 1.39% | +47 bps | |
| Return on Equity | 10.15% | 10.26% | 10.56% | 13.19% | 13.06% | +291 bps | |
| Net Interest Margin | 2.63% | 2.66% | 2.71% | 3.09% | 3.08% | +44 bps | |
| Efficiency Ratio | 56.99% | 57.19% | 56.76% | 48.11% | 48.02% | -896 bps | |
| Non-Interest Burden | 1.25% | 1.27% | 1.30% | 1.14% | 1.14% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 61.62% | 51.43% | 45.12% | 4.83% | 0.64% | -6,098 bps | |
| Loan Growth (YoY) | 52.11% | 50.86% | 51.22% | 11.68% | 11.80% | -4,032 bps | |
| Deposit Growth (YoY) | 65.18% | 51.74% | 40.95% | 3.76% | -0.70% | -6,589 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.37% | 0.42% | 0.41% | 0.34% | +6 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.25% | 0.21% | 0.19% | 0.17% | -11 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.94% | 8.13% | 8.29% | 8.59% | 8.89% | +95 bps | |
| Total Risk-Based Capital | 11.65% | 11.96% | 12.20% | 12.43% | 12.62% | +97 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.75% | 62.37% | 63.52% | 66.53% | 68.40% | +765 bps | |
| Liquid Assets / Assets | 7.70% | 7.91% | 7.87% | 7.88% | 7.95% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |