UMB Bank, National Association
Total assets
$71.90B
▲ +0.6% YoY
Deposits
$60.17B
▼ -0.7% YoY
Loans
$40.72B
▲ +11.8% YoY
Offices
209
UMB FINANCIAL CORP
ROA (annualized)
1.39%
peers 1.23%
ROE (annualized)
13.06%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +5.9% | -5.2 pts |
| Deposit growth (YoY) | -0.7% | +5.7% | -6.4 pts |
| Loan growth (YoY) | +11.8% | +6.9% | +4.8 pts |
| ROA | 1.39% | 1.23% | +0.2 pts |
| ROE | 13.1% | 11.2% | +1.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
Profile
- Established
- 1902
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- UMB FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1010 Grand Blvd, Kansas City, MO, 64106
- County
- Jackson
- Metro area
- Kansas City, MO-KS
- Offices
- 209
- FDIC cert #
- 8273
- RSSD ID
- 936855
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.90B | $60.17B | $40.72B | $7.83B | $501.2M | 1.39% | 3.28% | 0.20% |
| Q1 2026 | $72.35B | $60.33B | $39.71B | $7.68B | $250.6M | 1.38% | 3.28% | 0.24% |
| Q4 2025 | $72.78B | $61.06B | $38.36B | $7.53B | $677.4M | 1.01% | 3.11% | 0.23% |
| Q3 2025 | $71.52B | $60.46B | $37.30B | $7.28B | $471.8M | 0.96% | 3.05% | 0.20% |
| Q2 2025 | $71.44B | $60.60B | $36.42B | $7.02B | $291.8M | 0.92% | 3.04% | 0.15% |
| Q1 2025 | $69.01B | $58.14B | $35.57B | $6.77B | $100.4M | 0.67% | 2.96% | 0.16% |
| Q4 2024 | $50.15B | $43.32B | $25.39B | $3.46B | $449.8M | 0.98% | 2.36% | 0.06% |
| Q3 2024 | $47.23B | $39.84B | $24.75B | $3.57B | $331.6M | 0.98% | 2.35% | 0.06% |
Loan mix (Q2 2026): real estate $21.17B · commercial $15.52B · consumer $584.8M · securities $19.21B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.23% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.3% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.55% | 38th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 54.9% | 25th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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