UMB Bank & Trust, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks UMB Bank & Trust, N.A. of Kansas City, MO against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.13% | 3.13% | -3.00% | 16th bottom |
| ROAE | 0.13% | 10.42% | -10.29% | 14th bottom |
| Net Interest Margin | 8.89% | 3.93% | +4.96% | 100th top |
| Efficiency Ratio | 99.80% | 76.30% | +23.50% | 13th bottom |
| PPNR / Avg Assets | 0.26% | 1.40% | -1.14% | 15th bottom |
| Yield on Earning Assets | 8.89% | 5.35% | +3.54% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| Texas Ratio | 0.00% | 8.25% | -8.25% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 103.03% | 61.85% | +41.18% | 87th top |
| Tier 1 Ratio | 103.03% | 61.86% | +41.17% | 87th top |
| Total Capital Ratio | 103.03% | 62.82% | +40.21% | 87th top |
| Leverage Ratio | 100.03% | 17.60% | +82.43% | 98th top |
| Equity / Assets | 100.00% | 16.42% | +83.58% | 100th top |
| TCE / Tangible Assets | 100.00% | 16.17% | +83.83% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.13% | 4.30% | -4.17% | 34th below |
See UMB Bank & Trust, N.A.'s peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock UMB Bank & Trust, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full UMB Bank & Trust, N.A. profile, how to read a UBPR, or how this data updates.