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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 30 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.34% of loans (+6 bps YoY), with net charge-offs at 0.15%.
  • 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 (quarter, annualized)

1.39%+30 bps YoY

Net Interest Margin (quarter, annualized)

3.07%+23 bps YoY

Efficiency Ratio (quarter, annualized)

47.94%-699 bps YoY

Tier 1 Leverage Ratio

8.89%+95 bps YoY

NIM

5.01%Q2 ’245.06%Q2 ’254.94%Q2 ’26+22%+8%

Non-interest income vs. expense

1.94%Q2 ’242.22%Q2 ’252.04%Q2 ’26+47%-12%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.97%0.67%1.09%1.01%1.14%1.38%1.39%+30 bps
Return on Equity12.11%13.43%7.85%11.11%10.07%11.10%13.19%12.93%+183 bps
Net Interest Margin2.28%2.42%2.70%2.84%2.83%3.03%3.09%3.07%+23 bps
Efficiency Ratio60.03%58.18%59.38%54.93%57.56%55.62%48.11%47.94%-699 bps
Non-Interest Burden0.96%0.98%1.35%1.30%1.37%1.45%1.14%1.14%-16 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 / Loans0.14%0.14%0.40%0.17%0.19%0.13%0.19%0.15%-1 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