UMB Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
UMB Bank, N.A. is the 40th-largest bank in the United States, with $71.9 billion in assets at June 30, 2026. It is headquartered in Kansas City, Missouri, and operates 209 domestic branches. It holds about two-thirds of its deposits (64%) above the FDIC insurance limit, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 38.6%). It also lost 0.7% of its deposits over the year, lower than about three-quarters of banks its size (median 5.7%).
Earnings jumped: net income for the quarter was $251 million, 31% above the same quarter a year earlier. Over the same year, loans grew 11.8% and deposits shrank 0.7%. Where it has less room is capital: it holds common equity equal to 11.75% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
As of June 30, 2026, UMB Bank, N.A. reported a CET1 capital ratio of 11.75%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 2.34%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1010 Grand Blvd, Kansas City, MO 64106
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- August 28, 1902
- Former names
- UMB Bank, Cass County (1994-1999); United Missouri Bank of Cass County (1978-1994)
- Offices
- 209 domestic
- Employees (FTE)
- 4,111
- Domestic deposits
- $60.17B
- Allowance for credit losses
- $437.4M
- Net charge-offs (YTD)
- $34.8M
- Average total assets
- $70.47B
- Average total loans
- $40.62B
- Average interest-bearing deposits
- $48.87B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8273
- Fed RSSD
- 936855
- SEC CIK
- 101382 → filed by UMB FINANCIAL CORPORATION
- Website
- www.umb.com →
- Parent Holding Company
- UMB FINANCIAL CORPORATION (RSSD 1049828) · UMBF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kemper J Mariner | CEO | Chairman and CEO |
| Newton Nikki Farentino | PRES | President, Private Wealth Mgmt |
| Ram Shankar | CFO | Chief Financial Officer |
| Thomas S Terry | CCO | Chief Credit Officer |
| Amy Harris | GC | EVP and Chief Legal Officer |
| Stacy H King | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & 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.
What the bank charged to earnings that quarter to build its allowance for expected losses.
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.
Inside the full UMB Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock UMB Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
UMB Bank, N.A. rankings
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.
Metric pages for UMB Bank, N.A.: Uninsured deposits.
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 | 11.75% | 1.42% | 0.31% | 2.34% | 3.36% |
| Q1 2026 | 11.57% | 1.42% | 0.38% | 2.85% | 3.38% |
| Q4 2025 | 11.34% | 1.17% | 0.37% | 2.88% | 3.36% |
| Q3 2025 | 11.11% | 1.05% | 0.40% | 2.53% | 3.11% |
| Q2 2025 | 10.80% | 1.14% | 0.28% | 2.02% | 3.14% |
| Q1 2025 | 10.54% | 0.67% | 0.29% | 2.18% | 2.96% |
| Q4 2024 | 11.47% | 1.04% | 0.08% | 0.81% | 2.60% |
| Q3 2024 | 11.51% | 0.94% | 0.08% | 0.79% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 192 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| UMB Bank, N.A. (main office) | Kansas City , MO | 64106 | $30.32B |
| Denver Banking Center | Denver , CO | 80202 | $3.40B |
| Camelback Banking Center Branch | Phoenix , AZ | 85016 | $2.23B |
| St. Louis Branch | Saint Louis , MO | 63102 | $2.13B |
| Fort Worth Branch | Fort Worth , TX | 76102 | $1.20B |
| Rockford Branch | Rockford , IL | 61114 | $840.1M |
| Fresno Banking Branch | Fresno , CA | 93720 | $735.2M |
| Albuquerque Branch | Albuquerque , NM | 87102 | $733.5M |
| Guilford Banking Center Branch | Rockford , IL | 61107 | $701.2M |
| Dubuque Branch | Dubuque , IA | 52001 | $646.3M |
| Chandler Branch | Chandler , AZ | 85226 | $422.2M |
| Centre Banking Center Branch | Lubbock , TX | 79424 | $400.2M |
| Overland Park Banking Center Branch | Overland Park , KS | 66213 | $368.3M |
| Minnetonka Branch | Minnetonka , MN | 55343 | $366.3M |
| Topeka - West | Topeka , KS | 66614 | $357.0M |
| Madison Branch | Madison , WI | 53717 | $350.0M |
| Slc Main Branch | Midvale , UT | 84047 | $319.4M |
| Scottsdale Branch | Scottsdale , AZ | 85254 | $314.3M |
| Columbine Branch | Denver , CO | 80224 | $275.2M |
| St. Michael's Branch | Santa Fe , NM | 87505 | $259.8M |
| Overland Park Branch | Overland Park , KS | 66204 | $255.7M |
| 1150 East Battlefield Road Branch | Springfield , MO | 65807 | $234.1M |
| Los Lunas Branch | Los Lunas , NM | 87031 | $222.4M |
| Monroe Branch | Monroe , WI | 53566 | $219.3M |
| Wichita Branch | Wichita , KS | 67202 | $204.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2025 | M&A | Acquired HTLF Bank merger for the acquired bank | SEC |
| February 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2025 | Structure Change | Acquired HTLF Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2015 | M&A | Acquired Meridian Bank, National Association merger for the acquired bank | SEC |
| June 1, 2015 | Structure Change | Acquired Meridian Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2012 | M&A | Acquired UMB Bank Colorado, National Association merger for the acquired bank | SEC |
| December 31, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2012 | Structure Change | Acquired UMB Bank Colorado, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2007 | M&A | Acquired UMB Bank, Warsaw, National Association merger for the acquired bank | SEC |
| December 8, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2007 | Structure Change | Acquired UMB Bank, Warsaw, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2004 | M&A | Acquired UMB Bank Omaha, National Association merger for the acquired bank | SEC |
| December 4, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2004 | Structure Change | Acquired UMB Bank Omaha, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2004 | M&A | Acquired UMB U.S.A., N.A. merger for the acquired bank | SEC |
| August 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2004 | Structure Change | Acquired UMB U.S.A., N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 4, 2000 | M&A | Acquired Charter National Bank merger for the acquired bank | SEC |
| March 4, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 4, 2000 | Structure Change | Acquired Charter National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 25, 1999 | M&A | Acquired UMB Bank, Northeast merger for the acquired bank | SEC |
| September 25, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 25, 1999 | Structure Change | Acquired UMB Bank, Northeast Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 1999 | M&A | Acquired UMB Bank, Warrensburg merger for the acquired bank | SEC |
| September 11, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 11, 1999 | Structure Change | Acquired UMB Bank, Warrensburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 1999 | M&A | merger | SEC |
| August 28, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 28, 1999 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 30 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for UMB Bank, 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
- 3 against the institution (OCC); 2 against individuals associated with it
- August 1, 2017, OCC: C&D or PC&D Requiring Restitution: UMB Bank, National Association
- August 1, 2017, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): UMB Bank, National Association
- August 1, 2017, OCC: Civil Money Penalty (CMP): UMB Bank, National Association
- Period: Most recent institution action August 1, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 13.0% of deposits in MO, rank 1 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,676 applications, 2,686 loans originated, $1.27B originated, across 38 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 80 loans, $49.0M approved, $613K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. 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, N.A.
What are UMB Bank, N.A.'s total assets?
As of the Q2 2026 filing, UMB Bank, N.A. reported total assets of $71.90 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is UMB Bank, N.A. headquartered?
UMB Bank, N.A. is headquartered in Kansas City, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was UMB Bank, N.A. founded?
UMB Bank, N.A. was established in 1902, per the FDIC institution directory.
Is UMB Bank, N.A. FDIC-insured?
Yes. UMB Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #8273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates UMB Bank, N.A.?
UMB Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is UMB Bank, N.A.'s CET1 capital ratio?
UMB Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.75% in its Q2 2026 call report, above regulatory requirements.
How many branches does UMB Bank, N.A. operate?
UMB Bank, N.A. operates 209 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is UMB Bank, N.A.'s Texas Ratio?
UMB Bank, N.A.'s Texas Ratio is 2.34% 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.
What was UMB Bank, N.A. previously called?
The charter now named UMB Bank, N.A. has also operated as UMB Bank, Cass County (1994-1999), United Missouri Bank of Cass County (1978-1994), per FDIC structure-change records.
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