Bank Safety Analysis
Is UMB Bank & Trust, N.A. Safe?
UMB Bank & Trust, N.A. shows stress on 1 of 4 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
Net interest margin climbed 4.45 percentage points in Q2 2026, from 4.44% to 8.89%. It was the largest change from Q1 2026 among the key lines here. Against a median of 19.50% for banks in the < $100M asset tier, UMB Bank & Trust, N.A. reported 103.03% on CET1 ratio in Q2 2026, 83.53 points higher. From Q3 2023 to Q2 2026, UMB Bank & Trust, N.A.'s CET1 ratio ranged between 100.00% (Q2 2025) and 103.04% (Q3 2023) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, UMB Bank & Trust, N.A.'s CET1 ratio from 100.00% to 103.03%, Texas ratio from 0.00% to 0.00%, return on assets from 0.26% to 0.13% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (506 banks) · Industry averages as of Q2 2026.
CET1 of 103.03% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 100.03% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 99.8% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 103.03% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Flags at 100% or above | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 103.03% |
| Q1 2026 | 103.03% |
| Q4 2025 | 103.04% |
| Q3 2025 | 103.04% |
| Q2 2025 | 100.00% |
| Q1 2025 | 103.00% |
| Q4 2024 | 103.04% |
| Q3 2024 | 103.04% |
| Q2 2024 | 103.04% |
| Q1 2024 | 103.01% |
| Q4 2023 | 103.04% |
| Q3 2023 | 103.04% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
UMB Bank & Trust, N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 103.03% | — | 0.00% | 0.13% |
| Mar 31, 2026 | 103.03% | — | 0.00% | 0.13% |
| Dec 31, 2025 | 103.04% | — | 0.00% | 0.13% |
| Sep 30, 2025 | 103.04% | — | 0.00% | 0.00% |
| Jun 30, 2025 | 100.00% | — | 0.00% | 0.26% |
| Mar 31, 2025 | 103.00% | — | 0.00% | 0.13% |
| Dec 31, 2024 | 103.04% | — | 0.00% | 0.13% |
| Sep 30, 2024 | 103.04% | — | 0.00% | 0.13% |
| Jun 30, 2024 | 103.04% | — | 0.00% | 0.13% |
| Mar 31, 2024 | 103.01% | — | 0.00% | 0.13% |
| Dec 31, 2023 | 103.04% | — | 0.00% | 0.13% |
| Sep 30, 2023 | 103.04% | — | 0.00% | 0.13% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is UMB Bank & Trust, N.A. well capitalized?
Yes. UMB Bank & Trust, N.A. reports a CET1 Ratio of 103.03%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator applies under Prompt Corrective Action.
What is UMB Bank & Trust, N.A.'s Texas Ratio?
UMB Bank & Trust, N.A.'s Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FFIEC NIC profile (RSSD 2337335)
Explore: Full UMB Bank & Trust, N.A. profile · Other banks in MO · Metric glossary · How the call report works