UMB Bank & Trust, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Between Q1 2026 and Q2 2026, none of the key lines on this page moved by much; the largest change was in Risk-weighted assets, from $3.0M to $3.0M. Against a median of 19.57% for banks in the < $100M asset tier, UMB Bank & Trust, N.A. reported 103.03% on CET1 ratio in Q2 2026, 83.47 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 103.03% |
| Tier 1 risk-based capital ratio | 103.03% |
| Total risk-based capital ratio | 103.03% |
| Tier 1 leverage ratio | 100.03% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.1M |
| Tier 1 capital | $3.1M |
| Total risk-based capital | $3.1M |
| Total equity capital | $3.1M |
| Risk-weighted assets | $3.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 100.00% |
| Tangible equity to tangible assets | 100.00% |
| Equity capital to average assets | 100.03% |
| Internal capital growth rate | 0.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $2.0M |
| Retained earnings | $57K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 103.04% | 103.04% | 103.04% | 100.03% | $3.0M |
| Q4 2023 | 103.04% | 103.04% | 103.04% | 100.03% | $3.0M |
| Q1 2024 | 103.01% | 103.01% | 103.01% | 100.00% | $3.0M |
| Q2 2024 | 103.04% | 103.04% | 103.04% | 100.03% | $3.0M |
| Q3 2024 | 103.04% | 103.04% | 103.04% | 100.03% | $3.0M |
| Q4 2024 | 103.04% | 103.04% | 103.04% | 100.03% | $3.0M |
| Q1 2025 | 103.00% | 103.00% | 103.00% | 100.00% | $3.0M |
| Q2 2025 | 100.00% | 100.00% | 100.00% | 100.03% | $3.1M |
| Q3 2025 | 103.04% | 103.04% | 103.04% | 100.03% | $3.0M |
| Q4 2025 | 103.04% | 103.04% | 103.04% | 100.00% | $3.0M |
| Q1 2026 | 103.03% | 103.03% | 103.03% | 100.03% | $3.0M |
| Q2 2026 | 103.03% | 103.03% | 103.03% | 100.03% | $3.0M |
UMB Bank & Trust, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock UMB Bank & Trust, N.A., freeSource: Call Report Schedule RC-R, 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 & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2337335)