UMB Bank & Trust, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
UMB Bank & Trust, N.A. carries far more capital than most banks of its size. It reported $3.1 million in assets at June 30, 2026. It funds 100.03% of its assets with Tier 1 capital, 7.7 times the median of 13.06% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Earnings fell sharply: quarterly net income of $1,000 was 50% below a year earlier. Costs are the weak spot: it spends about 100 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, UMB Bank & Trust, N.A. reported a CET1 capital ratio of 103.03%, a return on assets of 0.13% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Metro Area
- Kansas City, MO-KS
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $3.1M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 2337335
- SEC CIK
- 101382 → filed by UMB FINANCIAL CORPORATION
- Parent Holding Company
- UMB BANK, NATIONAL ASSOCIATION (RSSD 936855)
- Ultimate Parent
- UMB FINANCIAL CORPORATION (RSSD 1049828)
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 103.03% | 0.13% | — | 0.00% | 8.89% |
| Q1 2026 | 103.03% | 0.13% | — | 0.00% | 4.44% |
| Q4 2025 | 103.04% | 0.13% | — | 0.00% | 4.44% |
| Q3 2025 | 103.04% | 0.00% | — | 0.00% | 4.44% |
| Q2 2025 | 100.00% | 0.26% | — | 0.00% | 8.89% |
| Q1 2025 | 103.00% | 0.13% | — | 0.00% | 4.44% |
| Q4 2024 | 103.04% | 0.13% | — | 0.00% | 4.44% |
| Q3 2024 | 103.04% | 0.13% | — | 0.00% | 4.44% |
Swipe the table sideways to see every column.
Regulatory record
What the public regulatory sources show for UMB Bank & Trust, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- February 10, 2026, SEC Form 8-K: 8-K Item 5.02: written agreement
- Period: Most recent institution action February 10, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- Not on file: no SoD deposits in its home state
- Period: not on file. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $710K approved, $355K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 111 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about UMB Bank & Trust, N.A.
What are UMB Bank & Trust, N.A.'s total assets?
As of the Q2 2026 filing, UMB Bank & Trust, N.A. reported total assets of $3.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is UMB Bank & Trust, N.A. headquartered?
UMB Bank & Trust, N.A. is headquartered in Kansas City, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured bank must.
What is UMB Bank & Trust, N.A.'s CET1 capital ratio?
UMB Bank & Trust, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 103.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is UMB Bank & Trust, N.A.'s Texas Ratio?
UMB Bank & Trust, N.A.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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