UMB Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
UMB Bank, N.A. is an FDIC-insured commercial bank headquartered in Kansas City, MO, established in 1902 (FDIC certificate 8273), and it is supervised by the OCC. At Q2 2026 it reported total assets of $71.90B, up 0.6% from Q2 2025, the largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.75% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 8273
- Headquarters
- Kansas City, MO
- Established
- 1902
- Total assets, Q2 2026
- $71.90B
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 11.75%
- Domestic offices
- 207 FDIC institution directory, current count
- Routing number
- 101000695
- Latest call report
- Q2 2026, FFIEC 031 · UMB Bank, N.A. call report
- Holding company
- UMB FINANCIAL CORPORATION
- Asset rank in state
- 1st of 191 in Missouri
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 207 domestic branches. It holds about two-thirds of its deposits (64%) above the FDIC insurance limit, higher than about 9 in 10 of the 124 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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, UMB Bank, N.A. is the largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $71.90B, loans rose 2.5% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 37.7% of total loans, followed by non-owner-occupied commercial real estate loans at 14.7%. By the capital ratios in its Q2 2026 call report, UMB Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 207 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, UMB Bank, N.A.'s total assets ranged from $41.19B (Q3 2023) to $72.78B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$71.90B total assets against $71.44B; $64.07B total liabilities against $64.42B.
$40.72B net loans and leases against $36.42B; $60.17B total deposits against $60.60B.
$19.22B securities against $17.67B; $5.71B cash and balances due against $11.10B.
$870.9M total interest income against $848.9M; $329.3M total interest expense against $372.1M.
$541.5M net interest income against $476.8M.
$158.5M total noninterest income against $155.0M; $359.0M total noninterest expense against $372.3M.
$28.0M provision for credit losses against $21.0M.
$250.6M net income against $191.4M.
1.42% return on assets against 1.14%; 3.36% net interest margin against 3.14%.
11.75% CET1 capital ratio against 10.80%; 8.89% tier 1 leverage ratio against 7.94%.
Inside the full UMB Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 40 of 4,196, for total assets; its furthest is 1,793 of 2,134, for CET1 ratio.
Metric pages for UMB Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q1 2025) to 1.42% (Q1 2026) and its net interest margin ran from 2.50% (Q3 2024) to 3.38% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.75% | 1.42% | 0.34% | 2.34% | 3.36% |
| Q1 2026 | 11.57% | 1.42% | 0.41% | 2.85% | 3.38% |
| Q4 2025 | 11.34% | 1.17% | 0.42% | 2.88% | 3.36% |
| Q3 2025 | 11.11% | 1.05% | 0.37% | 2.53% | 3.11% |
| Q2 2025 | 10.80% | 1.14% | 0.28% | 2.02% | 3.14% |
| Q1 2025 | 10.54% | 0.67% | 0.30% | 2.18% | 2.96% |
| Q4 2024 | 11.47% | 1.04% | 0.10% | 0.81% | 2.60% |
| Q3 2024 | 11.51% | 0.94% | 0.11% | 0.79% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
View all 192 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired HTLF Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2025 | M&A | Acquired HTLF Bank merger for the acquired bank | SEC |
| February 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2015 | Structure Change | Acquired Meridian Bank, National Association 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 |
| May 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2012 | Structure Change | Acquired UMB Bank Arizona, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 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 | Structure Change | Acquired UMB First State Bank of Morrisonville 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 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 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 1999 | M&A | Acquired UMB Bank, North Central merger for the acquired bank | SEC |
| August 28, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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
Facts as filed or published, not a rating.
- 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 249 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is UMB Bank, N.A. headquartered?
It is headquartered in Kansas City, MO, United States.
When was UMB Bank, N.A. founded?
It was established in 1902, per the FDIC institution directory.
Is UMB Bank, N.A. FDIC-insured?
Yes. It 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.
What is UMB Bank, N.A.'s CET1 capital ratio?
It 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?
It operates 207 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?
Its Texas Ratio is 2.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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