BanksUMB BANK, NATIONAL ASSOCIATION

UMB BANK, NATIONAL ASSOCIATION

KANSAS CITY, MORegionalEst. Aug. 28, 1902, midnightFDIC #8273RSSD #936855OCC
Latest · 2025-12-31

UMB BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 11.34%, well above regulatory minimums. NPL ratio: 0.37% · Texas Ratio: 1.88%. Operates 197 domestic branches.

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 Margin3.20%
Yield on Assets5.34%
Cost of Funds2.33%

Asset Quality

NPL Ratio0.37%
Net Charge-Off Ratio0.21%
Texas Ratio1.88%
NPA Ratio0.21%
ACL / Loans1.08%

Capital & Liquidity

CET1 Ratio11.34%
Tier 1 Capital11.34%
Total Capital Ratio12.20%
Leverage Ratio8.29%
Loan-to-Deposit63.52%

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