UMB BANK, NATIONAL ASSOCIATION

KANSAS CITY, MO | Regional | Est. Aug. 28, 1902, midnight | FDIC #8273 | RSSD #936855 | OCC
Latest Report: 2025-12-31

UMB BANK, NATIONAL ASSOCIATION is arn regional FDIC-insured commercial bank headquartered in KANSAS CITY, MO, established in Aug. 28, 1902, midnight. As of 2025-12-31, the bank reported total assets of $72.8B and total deposits of $61.1B. Profitability stands at 1.14% ROA and 11.10% ROE, with a net interest margin of 3.20%. The bank's CET1 capital ratio is 11.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 1.88%. FDIC Certificate #8273.

Assets

$72.8B

Deposits

$61.1B

Loans

$38.8B

Equity

$7.5B

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 11.10%
Net Interest Margin (NIM) 3.20%
Yield on Assets 5.34%
Cost of Funds 3.06%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.21%
Texas Ratio 1.88%
NPA Ratio 0.21%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 11.34%
Tier 1 Capital 11.34%
Total Capital Ratio 12.20%
Leverage Ratio 8.29%
Loan-to-Deposit 63.52%

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