UMB Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos dropped 39.1% in Q2 2026, from $1.52B to $928.4M. It was the largest change from Q1 2026 among the key lines here. UMB Bank, N.A. ranks 159th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 68.40% (Q2 2026). UMB Bank, N.A. reported 68.40% on loan-to-deposit ratio for Q2 2026, 18.43 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.71B |
| Cash and noninterest-bearing balances to assets | 7.94% |
| Cash and securities | $24.92B |
| Fed funds sold and reverse repos | $928.4M |
| Fed funds sold and reverse repos to assets | 1.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.08B |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.40% |
| Net loans and leases to deposits | 67.67% |
| Loans and leases to core deposits | 69.93% |
| Core deposits to total deposits | 96.33% |
| Brokered deposits to total deposits | 1.48% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 68.16% | 91.97% | $1.76B | $2.30B |
| Q4 2023 | 64.49% | 92.63% | $2.12B | $1.80B |
| Q1 2024 | 63.82% | 94.20% | $2.23B | $1.80B |
| Q2 2024 | 65.97% | 94.88% | $2.22B | $1.30B |
| Q3 2024 | 62.74% | 94.47% | $2.02B | $1.05B |
| Q4 2024 | 59.20% | 93.35% | $2.61B | $0 |
| Q1 2025 | 61.82% | 95.34% | $2.56B | $0 |
| Q2 2025 | 60.75% | 95.71% | $2.93B | $0 |
| Q3 2025 | 62.37% | 95.73% | $2.84B | $0 |
| Q4 2025 | 63.52% | 95.24% | $3.32B | $0 |
| Q1 2026 | 66.53% | 96.32% | $3.55B | $0 |
| Q2 2026 | 68.40% | 96.33% | $3.08B | $0 |
UMB Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock UMB Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)