Bank Safety Analysis
Is UMB Bank, N.A. Safe?
UMB Bank, N.A. passes all 5 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q2 2026 call report.
In Q2 2026, noncurrent loans to total loans edged down by 0.07 percentage points, from 0.38% to 0.31%, the largest move among the key lines here. 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). From Q3 2023 to Q2 2026, UMB Bank, N.A.'s CET1 ratio ranged between 10.54% (Q1 2025) and 11.75% (Q2 2026) and its Texas ratio ranged between 0.59% (Q4 2023) and 3.02% (Q3 2025). Compared with Q2 2025, UMB Bank, N.A.'s CET1 ratio from 10.80% to 11.75%, noncurrent loans to total loans from 0.28% to 0.31%, Texas ratio from 2.25% to 2.44%, return on assets from 1.14% to 1.42% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $10B to $100B in assets (134 banks) · Industry averages as of Q2 2026.
CET1 of 11.75% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 8.89% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.31% are within industry-normal range.
Texas Ratio of 2.4% is well below the 100% historical failure threshold.
Efficiency ratio of 47.3% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 11.75% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 2.44% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.31% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 63.56% | Watch at 50%, concern at 70% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 68.40% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 182.34% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 6.10% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 11.75% |
| Q1 2026 | 11.57% |
| Q4 2025 | 11.34% |
| Q3 2025 | 11.11% |
| Q2 2025 | 10.80% |
| Q1 2025 | 10.54% |
| Q4 2024 | 11.47% |
| Q3 2024 | 11.51% |
| Q2 2024 | 11.43% |
| Q1 2024 | 11.36% |
| Q4 2023 | 11.21% |
| Q3 2023 | 11.08% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 2.44% |
| Q1 2026 | 2.93% |
| Q4 2025 | 2.97% |
| Q3 2025 | 3.02% |
| Q2 2025 | 2.25% |
| Q1 2025 | 2.38% |
| Q4 2024 | 0.82% |
| Q3 2024 | 0.79% |
| Q2 2024 | 0.66% |
| Q1 2024 | 0.74% |
| Q4 2023 | 0.59% |
| Q3 2023 | 0.74% |
UMB Bank, N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 11.75% | 0.31% | 2.44% | 1.42% |
| Mar 31, 2026 | 11.57% | 0.38% | 2.93% | 1.42% |
| Dec 31, 2025 | 11.34% | 0.37% | 2.97% | 1.17% |
| Sep 30, 2025 | 11.11% | 0.40% | 3.02% | 1.05% |
| Jun 30, 2025 | 10.80% | 0.28% | 2.25% | 1.14% |
| Mar 31, 2025 | 10.54% | 0.29% | 2.38% | 0.67% |
| Dec 31, 2024 | 11.47% | 0.08% | 0.82% | 1.04% |
| Sep 30, 2024 | 11.51% | 0.08% | 0.79% | 0.94% |
| Jun 30, 2024 | 11.43% | 0.06% | 0.66% | 1.07% |
| Mar 31, 2024 | 11.36% | 0.08% | 0.74% | 1.07% |
| Dec 31, 2023 | 11.21% | 0.06% | 0.59% | 0.68% |
| Sep 30, 2023 | 11.08% | 0.08% | 0.74% | 0.96% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is UMB Bank, N.A. FDIC insured?
Yes. UMB Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #8273). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is UMB Bank, N.A. well capitalized?
Yes. UMB Bank, N.A. reports a CET1 Ratio of 11.75%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is UMB Bank, N.A.'s nonperforming loan ratio?
As of the most recent call report, UMB Bank, N.A.'s nonperforming loan ratio is 0.31%. Nonperforming loans at 0.31% are within industry-normal range.
What is UMB Bank, N.A.'s Texas Ratio?
UMB Bank, N.A.'s Texas Ratio is 2.44%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 8273) · FFIEC NIC profile (RSSD 936855)
Explore: Full UMB Bank, N.A. profile · Other banks in MO · Metric glossary · How the call report works