UMB Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged up by 1.9%, from $323.3M to $329.3M, the largest move among the key lines here. UMB Bank, N.A. ranks 165th of 192 Missouri banks on net interest margin, in the lower half at 3.36% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. UMB Bank, N.A. sits 0.24 points lower, at 3.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 6.34% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.76% |
| Cost of interest-bearing liabilities | 2.83% |
| Cost of borrowings | 3.46% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $644.0M |
| Total interest expense | $329.3M |
| Interest expense on deposits | $298.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.03% | 2.36% | 2.46% | 6.46% | 2.56% |
| Q4 2023 | 5.16% | 2.46% | 2.49% | 6.60% | 2.61% |
| Q1 2024 | 5.24% | 2.47% | 2.50% | 6.60% | 2.82% |
| Q2 2024 | 5.33% | 2.56% | 2.51% | 6.73% | 2.83% |
| Q3 2024 | 5.44% | 2.66% | 2.50% | 6.83% | 2.90% |
| Q4 2024 | 5.21% | 2.38% | 2.60% | 6.49% | 3.01% |
| Q1 2025 | 5.33% | 2.22% | 2.96% | 6.53% | 3.38% |
| Q2 2025 | 5.54% | 2.23% | 3.14% | 6.73% | 3.65% |
| Q3 2025 | 5.59% | 2.29% | 3.11% | 6.78% | 3.76% |
| Q4 2025 | 5.57% | 2.06% | 3.36% | 6.74% | 3.81% |
| Q1 2026 | 5.37% | 1.85% | 3.38% | 6.43% | 3.80% |
| Q2 2026 | 5.37% | 1.90% | 3.36% | 6.34% | 3.84% |
UMB Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock UMB Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)