UMB Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.26 percentage points lower than in Q1 2026, at 182.34%. Within Missouri, UMB Bank, N.A. is 159th of 192 on loan-to-deposit ratio, 68.40% as of Q2 2026, below the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $41.16B |
| Net loans and leases | $40.72B |
| Loans held for sale | $6.8M |
| Loans to total assets | 57.24% |
| Loan-to-deposit ratio | 68.40% |
| Net loans to equity capital | 5.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.88% |
| Multifamily (5+ residential) | 4.19% |
| Commercial and industrial | 37.70% |
| Consumer | 1.42% |
| Credit cards | 0.86% |
| Farm | 2.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.34% |
| Construction concentration (Tier 1 capital + allowance) | 44.93% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.34% |
| Interest income on loans | $644.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $22.88B | $33.57B | 24.13% | 44.81% | 1.47% |
| Q4 2023 | $23.18B | $35.94B | 23.37% | 44.69% | 1.42% |
| Q1 2024 | $23.64B | $37.05B | 23.88% | 43.99% | 1.81% |
| Q2 2024 | $24.20B | $36.69B | 23.19% | 44.43% | 1.97% |
| Q3 2024 | $25.00B | $39.84B | 23.14% | 44.63% | 1.91% |
| Q4 2024 | $25.65B | $43.32B | 23.69% | 44.28% | 1.99% |
| Q1 2025 | $35.94B | $58.14B | 28.16% | 40.19% | 1.61% |
| Q2 2025 | $36.81B | $60.60B | 28.11% | 40.71% | 1.63% |
| Q3 2025 | $37.71B | $60.46B | 28.45% | 35.73% | 1.46% |
| Q4 2025 | $38.78B | $61.06B | 27.11% | 36.29% | 1.50% |
| Q1 2026 | $40.14B | $60.33B | 26.90% | 36.88% | 1.40% |
| Q2 2026 | $41.16B | $60.17B | 26.88% | 37.70% | 1.42% |
UMB Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock UMB Bank, N.A., freeSource: Call Report Schedule RC-C, 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)