UMB Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
UMB Bank, N.A. is a regional commercial bank serving Missouri and adjacent markets, with headquarters in Kansas City. As of Q2 2026, the bank held approximately $71.9B in total assets and $60.2B in deposits. Profitability is strong, 1.42% ROA, paired with 12.93% ROE and a 3.36% net interest margin. Regulatory capital is solid, 11.75% CET1 and 12.62% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.31%. UMB Bank runs a 209-branch network across multiple states.
As of June 30, 2026, UMB Bank, N.A. reported a CET1 capital ratio of 11.75%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.31%, a Texas ratio of 2.44%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1010 Grand Blvd, Kansas City, MO 64106
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- August 28, 1902
- Former names
- UMB Bank, Cass County (1994-1999); United Missouri Bank of Cass County (1978-1994)
- Offices
- 209 domestic
- Employees (FTE)
- 4,111
- Domestic deposits
- $60.17B
- Allowance for credit losses
- $437.4M
- Net charge-offs (YTD)
- $34.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8273
- Fed RSSD
- 936855
- SEC CIK
- 101382 → filed by UMB FINANCIAL CORPORATION
- Website
- www.umb.com →
- Parent Holding Company
- UMB FINANCIAL CORPORATION (RSSD 1049828) · UMBF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kemper J Mariner | CEO | Chairman and CEO |
| Shankar Ram | CFO | Chief Financial Officer |
| Newton Nikki Farentino | PRES | President, Private Wealth Mgmt |
| Terry Thomas S | CCO | Chief Credit Officer |
| Harris Amy | GC | EVP and Chief Legal Officer |
| King Stacy H | CRO | Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full UMB Bank, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock UMB Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
UMB Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for UMB Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.75% | 1.42% | 0.31% | 2.44% | 3.36% |
| Q1 2026 | 11.57% | 1.42% | 0.38% | 2.93% | 3.38% |
| Q4 2025 | 11.34% | 1.17% | 0.37% | 2.97% | 3.36% |
| Q3 2025 | 11.11% | 1.05% | 0.40% | 3.02% | 3.11% |
| Q2 2025 | 10.80% | 1.14% | 0.28% | 2.25% | 3.14% |
| Q1 2025 | 10.54% | 0.67% | 0.29% | 2.38% | 2.96% |
| Q4 2024 | 11.47% | 1.04% | 0.08% | 0.82% | 2.60% |
| Q3 2024 | 11.51% | 0.94% | 0.08% | 0.79% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 192 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| UMB Bank, N.A. (main office) | Kansas City , MO | 64106 | $30.32B |
| Denver Banking Center | Denver , CO | 80202 | $3.40B |
| Camelback Banking Center Branch | Phoenix , AZ | 85016 | $2.23B |
| St. Louis Branch | Saint Louis , MO | 63102 | $2.13B |
| Fort Worth Branch | Fort Worth , TX | 76102 | $1.20B |
| Rockford Branch | Rockford , IL | 61114 | $840.1M |
| Fresno Banking Branch | Fresno , CA | 93720 | $735.2M |
| Albuquerque Branch | Albuquerque , NM | 87102 | $733.5M |
| Guilford Banking Center Branch | Rockford , IL | 61107 | $701.2M |
| Dubuque Branch | Dubuque , IA | 52001 | $646.3M |
| Chandler Branch | Chandler , AZ | 85226 | $422.2M |
| Centre Banking Center Branch | Lubbock , TX | 79424 | $400.2M |
| Overland Park Banking Center Branch | Overland Park , KS | 66213 | $368.3M |
| Minnetonka Branch | Minnetonka , MN | 55343 | $366.3M |
| Topeka - West | Topeka , KS | 66614 | $357.0M |
| Madison Branch | Madison , WI | 53717 | $350.0M |
| Slc Main Branch | Midvale , UT | 84047 | $319.4M |
| Scottsdale Branch | Scottsdale , AZ | 85254 | $314.3M |
| Columbine Branch | Denver , CO | 80224 | $275.2M |
| St. Michael's Branch | Santa Fe , NM | 87505 | $259.8M |
| Overland Park Branch | Overland Park , KS | 66204 | $255.7M |
| 1150 East Battlefield Road Branch | Springfield , MO | 65807 | $234.1M |
| Los Lunas Branch | Los Lunas , NM | 87031 | $222.4M |
| Monroe Branch | Monroe , WI | 53566 | $219.3M |
| Wichita Branch | Wichita , KS | 67202 | $204.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2025 | M&A | merger | SEC |
| February 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2025 | Structure Change | Acquired HTLF Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2015 | M&A | merger | SEC |
| June 1, 2015 | Structure Change | Acquired Meridian Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2012 | M&A | merger | SEC |
| December 31, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2012 | Structure Change | Acquired UMB Bank Colorado, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2007 | M&A | merger | SEC |
| December 8, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2007 | Structure Change | Acquired UMB Bank, Warsaw, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2004 | M&A | merger | SEC |
| December 4, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2004 | Structure Change | Acquired UMB Bank Omaha, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2004 | M&A | merger | SEC |
| August 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2004 | Structure Change | Acquired UMB U.S.A., N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 4, 2000 | M&A | merger | SEC |
| March 4, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 4, 2000 | Structure Change | Acquired Charter National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 25, 1999 | M&A | merger | SEC |
| September 25, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 25, 1999 | Structure Change | Acquired UMB Bank, Northeast Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 1999 | M&A | merger | SEC |
| September 11, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 11, 1999 | Structure Change | Acquired UMB Bank, Warrensburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 1999 | M&A | merger | SEC |
| August 28, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 28, 1999 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 30 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for UMB Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC); 2 against individuals associated with it
- August 1, 2017, OCC: C&D or PC&D Requiring Restitution: UMB Bank, National Association
- August 1, 2017, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): UMB Bank, National Association
- August 1, 2017, OCC: Civil Money Penalty (CMP): UMB Bank, National Association
- Period: Most recent institution action August 1, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 13.0% of deposits in MO, rank 1 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,676 applications, 2,686 loans originated, $1.27B originated, across 38 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about UMB Bank, N.A.
What are UMB Bank, N.A.'s total assets?
As of the Q2 2026 filing, UMB Bank, N.A. reported total assets of $71.90 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is UMB Bank, N.A. headquartered?
UMB Bank, N.A. is headquartered in Kansas City, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was UMB Bank, N.A. founded?
UMB Bank, N.A. was established in 1902, per the FDIC institution directory.
Is UMB Bank, N.A. FDIC-insured?
Yes. UMB Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #8273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates UMB Bank, N.A.?
UMB Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is UMB Bank, N.A.'s CET1 capital ratio?
UMB Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.75% in its Q2 2026 call report, above regulatory requirements.
How many branches does UMB Bank, N.A. operate?
UMB Bank, N.A. operates 209 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is UMB Bank, N.A.'s Texas Ratio?
UMB Bank, N.A.'s Texas Ratio is 2.44% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was UMB Bank, N.A. previously called?
The charter now named UMB Bank, N.A. has also operated as UMB Bank, Cass County (1994-1999), United Missouri Bank of Cass County (1978-1994), per FDIC structure-change records.
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