UMB Bank & Trust, N.A.
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Data as of · sourced from FFIEC call reports. How we update
UMB Bank & Trust, N.A. is an FDIC-insured bank headquartered in Kansas City, MO. At Q2 2026 it reported total assets of $3.1M, up 0.1% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Kansas City, MO
- Established
- Not reported
- Total assets, Q2 2026
- $3.1M
- Assets vs Q2 2025
- +0.1%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 101057800
- Latest call report
- Q2 2026, FFIEC 051 · UMB Bank & Trust, N.A. call report
- Holding company
- UMB BANK, NATIONAL ASSOCIATION
UMB Bank & Trust, N.A. carries far more capital than most banks of its size. It reported $3.1 million in assets at June 30, 2026. It funds 100.03% of its assets with Tier 1 capital, 7.7 times the median of 13.06% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Earnings fell sharply: quarterly net income of $1,000 was 50% below a year earlier. Costs are the weak spot: it spends about 100 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, UMB Bank & Trust, N.A. reported a CET1 capital ratio of 103.03%, a return on assets of 0.13% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Between Q1 2026 and Q2 2026, its total assets were flat. On its Q2 2026 call report, UMB Bank & Trust, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Kansas City, MO-KS
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $3.1M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 2337335
- SEC CIK
- 101382 → filed by UMB FINANCIAL CORPORATION
- Parent Holding Company
- UMB BANK, NATIONAL ASSOCIATION (RSSD 936855)
- Ultimate Parent
- UMB FINANCIAL CORPORATION (RSSD 1049828)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kemper J Mariner | CEO | Chairman and CEO |
| Newton Nikki Farentino | PRES | President, Private Wealth Mgmt |
| Ram Shankar | CFO | Chief Financial Officer |
| Thomas S Terry | CCO | Chief Credit Officer |
| Amy Harris | GC | EVP and Chief Legal Officer |
| Stacy H King | CRO | Chief Risk Officer |
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, UMB Bank & Trust, N.A.'s total assets ran between $3.0M (Q3 2023) and $3.1M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.1M total assets against $3.1M; $0 total liabilities against $0.
$0 net loans and leases against $0; $0 total deposits against $0.
$0 securities against $0; $0 cash and balances due against $0.
$2K total interest income against $2K; $0 total interest expense against $0.
$2K net interest income against $2K.
$1.0M total noninterest income against $1.0M; $1.0M total noninterest expense against $1.0M.
No provision recorded in the last 12 quarters.
$1K net income against $2K.
0.13% return on assets against 0.26%; 8.89% net interest margin against 8.89%.
103.03% CET1 capital ratio against 100.00%; 100.03% tier 1 leverage ratio against 100.03%.
Inside the full UMB Bank & Trust, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.00% (Q3 2025) to 0.26% (Q2 2025) and its net interest margin ran from 4.44% (Q3 2024) to 8.89% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 103.03% | 0.13% | — | 0.00% | 8.89% |
| Q1 2026 | 103.03% | 0.13% | — | 0.00% | 4.44% |
| Q4 2025 | 103.04% | 0.13% | — | 0.00% | 4.44% |
| Q3 2025 | 103.04% | 0.00% | — | 0.00% | 4.44% |
| Q2 2025 | 100.00% | 0.26% | — | 0.00% | 8.89% |
| Q1 2025 | 103.00% | 0.13% | — | 0.00% | 4.44% |
| Q4 2024 | 103.04% | 0.13% | — | 0.00% | 4.44% |
| Q3 2024 | 103.04% | 0.13% | — | 0.00% | 4.44% |
Swipe the table sideways to see every column.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- February 10, 2026, SEC Form 8-K: 8-K Item 5.02: written agreement
- Period: Most recent institution action February 10, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- SBA 7(a) lending
- 2 loans, $710K approved, $355K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 116 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Deposit market share, Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about UMB Bank & Trust, N.A.
What are UMB Bank & Trust, N.A.'s total assets?
As of the Q2 2026 filing, UMB Bank & Trust, N.A. reported total assets of $3.1 million in its FFIEC call report.
Where is UMB Bank & Trust, N.A. headquartered?
It is headquartered in Kansas City, MO, United States.
What is UMB Bank & Trust, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 103.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is UMB Bank & Trust, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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