UMB Bank & Trust, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Net interest margin: 4.45 percentage points higher than in Q1 2026, at 8.89%. Against a median of 0.98% for banks in the < $100M asset tier, UMB Bank & Trust, N.A. reported 0.13% on return on assets in Q2 2026, 0.85 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 103.03% |
| Tier 1 risk-based capital ratio | 103.03% |
| Total risk-based capital ratio | 103.03% |
| Tier 1 leverage ratio | 100.03% |
| Equity capital to assets | 100.00% |
| Tangible equity to tangible assets | 100.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.13% |
| Return on equity | 0.13% |
| Net interest margin | 8.89% |
| Efficiency ratio | 99.80% |
| Yield on earning assets | 8.89% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 103.04% | 103.04% | 103.04% | 100.03% | 0.13% |
| Q4 2023 | 103.04% | 103.04% | 103.04% | 100.03% | 0.13% |
| Q1 2024 | 103.01% | 103.01% | 103.01% | 100.00% | 0.13% |
| Q2 2024 | 103.04% | 103.04% | 103.04% | 100.03% | 0.13% |
| Q3 2024 | 103.04% | 103.04% | 103.04% | 100.03% | 0.13% |
| Q4 2024 | 103.04% | 103.04% | 103.04% | 100.03% | 0.13% |
| Q1 2025 | 103.00% | 103.00% | 103.00% | 100.00% | 0.13% |
| Q2 2025 | 100.00% | 100.00% | 100.00% | 100.03% | 0.26% |
| Q3 2025 | 103.04% | 103.04% | 103.04% | 100.03% | 0.00% |
| Q4 2025 | 103.04% | 103.04% | 103.04% | 100.00% | 0.13% |
| Q1 2026 | 103.03% | 103.03% | 103.03% | 100.03% | 0.13% |
| Q2 2026 | 103.03% | 103.03% | 103.03% | 100.03% | 0.13% |
UMB Bank & Trust, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock UMB Bank & Trust, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)