UMB Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 61.29 percentage points in Q2 2026, from 281.31% to 342.60%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, UMB Bank, N.A. is 97th of 192 on return on assets, 1.42% as of Q2 2026, below the middle of the field. UMB Bank, N.A. reported 1.42% on return on assets for Q2 2026, 0.13 points above the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.75% |
| Tier 1 risk-based capital ratio | 11.75% |
| Total risk-based capital ratio | 12.62% |
| Tier 1 leverage ratio | 8.89% |
| Equity capital to assets | 10.88% |
| Tangible equity to tangible assets | 8.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 2.44% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 342.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 12.93% |
| Net interest margin | 3.36% |
| Efficiency ratio | 47.30% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.40% |
| Core deposits to total deposits | 96.33% |
| Brokered deposits to total deposits | 1.48% |
| Deposits to assets | 83.69% |
| Securities to assets | 26.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.08% | 11.08% | 11.77% | 8.62% | 0.96% |
| Q4 2023 | 11.21% | 11.21% | 11.90% | 8.52% | 0.68% |
| Q1 2024 | 11.36% | 11.36% | 12.09% | 8.45% | 1.07% |
| Q2 2024 | 11.43% | 11.43% | 12.17% | 8.57% | 1.07% |
| Q3 2024 | 11.51% | 11.51% | 12.27% | 8.55% | 0.94% |
| Q4 2024 | 11.47% | 11.47% | 12.24% | 8.52% | 1.04% |
| Q1 2025 | 10.54% | 10.54% | 11.35% | 8.53% | 0.67% |
| Q2 2025 | 10.80% | 10.80% | 11.65% | 7.94% | 1.14% |
| Q3 2025 | 11.11% | 11.11% | 11.96% | 8.13% | 1.05% |
| Q4 2025 | 11.34% | 11.34% | 12.20% | 8.29% | 1.17% |
| Q1 2026 | 11.57% | 11.57% | 12.43% | 8.59% | 1.42% |
| Q2 2026 | 11.75% | 11.75% | 12.62% | 8.89% | 1.42% |
UMB Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock UMB Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)