UMB Bank & Trust, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
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 3.89% for banks in the < $100M asset tier, UMB Bank & Trust, N.A. reported 8.89% on net interest margin in Q2 2026, 5.01 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.89% |
| Yield on loans | — |
| Yield on securities | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 8.89% |
| Yield to cost spread | — |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Net interest margin |
|---|---|---|
| Q3 2023 | 4.44% | 4.44% |
| Q4 2023 | 4.44% | 4.44% |
| Q1 2024 | 4.44% | 4.44% |
| Q2 2024 | 8.89% | 8.89% |
| Q3 2024 | 4.44% | 4.44% |
| Q4 2024 | 4.44% | 4.44% |
| Q1 2025 | 4.44% | 4.44% |
| Q2 2025 | 8.89% | 8.89% |
| Q3 2025 | 4.44% | 4.44% |
| Q4 2025 | 4.44% | 4.44% |
| Q1 2026 | 4.44% | 4.44% |
| Q2 2026 | 8.89% | 8.89% |
UMB Bank & Trust, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock UMB Bank & Trust, N.A., freeSource: Call Report Schedules RI and RC-K, 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)