UMB Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 12.1% lower than in Q1 2026, at -$376.4M. UMB Bank, N.A. ranks 73rd of 98 Missouri banks on CET1 ratio, in the lower half at 11.75% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. UMB Bank, N.A. sits 1.20 points lower, at 11.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.75% |
| Tier 1 risk-based capital ratio | 11.75% |
| Total risk-based capital ratio | 12.62% |
| Tier 1 leverage ratio | 8.89% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $6.08B |
| Tier 1 capital | $6.08B |
| Total risk-based capital | $6.52B |
| Total equity capital | $7.83B |
| Risk-weighted assets | $51.71B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.88% |
| Tangible equity to tangible assets | 8.02% |
| Equity capital to average assets | 11.11% |
| Internal capital growth rate | 9.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $21.2M |
| Common stock surplus | $4.22B |
| Retained earnings | $3.96B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$376.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.08% | 11.08% | 11.77% | 8.62% | $30.95B |
| Q4 2023 | 11.21% | 11.21% | 11.90% | 8.52% | $31.02B |
| Q1 2024 | 11.36% | 11.36% | 12.09% | 8.45% | $31.37B |
| Q2 2024 | 11.43% | 11.43% | 12.17% | 8.57% | $32.01B |
| Q3 2024 | 11.51% | 11.51% | 12.27% | 8.55% | $32.69B |
| Q4 2024 | 11.47% | 11.47% | 12.24% | 8.52% | $33.45B |
| Q1 2025 | 10.54% | 10.54% | 11.35% | 8.53% | $46.88B |
| Q2 2025 | 10.80% | 10.80% | 11.65% | 7.94% | $47.62B |
| Q3 2025 | 11.11% | 11.11% | 11.96% | 8.13% | $48.59B |
| Q4 2025 | 11.34% | 11.34% | 12.20% | 8.29% | $49.61B |
| Q1 2026 | 11.57% | 11.57% | 12.43% | 8.59% | $50.70B |
| Q2 2026 | 11.75% | 11.75% | 12.62% | 8.89% | $51.71B |
UMB Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock UMB Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full UMB Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8273) · FFIEC NIC profile (RSSD 936855)