UMB Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks UMB Bank, N.A. of Kansas City, MO against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.42% | 1.39% | +0.03% | 63rd above |
| ROAE | 12.93% | 12.22% | +0.71% | 72nd above |
| Net Interest Margin | 3.36% | 3.82% | -0.46% | 36th below |
| Efficiency Ratio | 47.30% | 54.29% | -6.99% | 76th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.94% | 2.04% | -0.10% | 59th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.37% | 5.71% | -0.34% | 53rd above |
| Cost of Funds | 1.90% | 2.03% | -0.13% | 52nd above |
| Net Interest Spread | 2.54% | 3.13% | -0.59% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.99% | -0.68% | 89th top |
| NPA / Total Assets | 0.19% | 0.72% | -0.53% | 87th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.16% | 0.33% | -0.17% | 45th below |
| ACL / Total Loans | 1.06% | 1.39% | -0.33% | 36th below |
| ACL / NPLs (Coverage) | 342.60% | 234.45% | +108.15% | 88th top |
| Texas Ratio | 2.44% | 8.92% | -6.48% | 86th top |
| Provision / NCO | 151.45% | 123.05% | +28.40% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.75% | 15.68% | -3.93% | 14th bottom |
| Tier 1 Ratio | 11.75% | 15.81% | -4.06% | 13th bottom |
| Total Capital Ratio | 12.62% | 16.94% | -4.32% | 11th bottom |
| Leverage Ratio | 8.89% | 10.51% | -1.62% | 13th bottom |
| Equity / Assets | 10.88% | 11.72% | -0.84% | 38th below |
| TCE / Tangible Assets | 8.02% | 9.74% | -1.72% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.40% | 84.70% | -16.30% | 86th top |
| Core Deposit Ratio | 96.33% | 86.54% | +9.79% | 86th top |
| Uninsured Deposit Ratio | 63.56% | 36.64% | +26.92% | 2nd bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.29% | 5.85% | -1.56% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.64% | 12.01% | -11.37% | 19th bottom |
| Loan Growth (Y/Y) | 11.80% | 11.36% | +0.44% | 70th above |
| Deposit Growth (Y/Y) | -0.70% | 11.42% | -12.12% | 14th bottom |
See UMB Bank, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock UMB Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full UMB Bank, N.A. profile, how to read a UBPR, or how this data updates.