$72.3B
+4.8%y/y
Percentile by value75th percentileby value
FDIC
ASSETUB
UMB Bank, National Association
Kansas City, MissouriFDIC Cert #8273
OCCEstablished 1902208 branches
Holding company: UMB FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportUMB Bank, National Association reported $72.3B in total assets. Deposits grew 3.76% over the prior year.
Return on assets was 1.38%, compared with an asset-peer median of 1.19%. The leverage ratio was 8.59%.
- Why is Efficiency Ratio below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$60.3B
+3.8%y/y
Percentile by value75th percentileby value
FDIC
DEP$39.7B
+11.6%y/y
Percentile by value72nd percentileby value
FDIC
LNLSNET1.38%
+71 bpsy/y
Peer standing68th percentile
FDIC
NETINC + ROA48.11%
−1,127 bpsy/y
Peer standing76th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.59%
+6 bpsy/y
Peer standing19th percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $36.4B | $30.3B |
| Q3 2021 | $37.3B | $31.5B |
| Q4 2021 | $42.4B | $35.8B |
| Q1 2022 | $40.3B | $34.5B |
| Q2 2022 | $37.2B | $31.8B |
| Q3 2022 | $37.3B | $32B |
| Q4 2022 | $38.3B | $32.8B |
| Q1 2023 | $40.4B | $32.1B |
| Q2 2023 | $41B | $33.7B |
| Q3 2023 | $41.2B | $33.6B |
| Q4 2023 | $43.7B | $35.9B |
| Q1 2024 | $45.1B | $37B |
| Q2 2024 | $44.2B | $36.7B |
| Q3 2024 | $47.2B | $39.8B |
| Q4 2024 | $50.2B | $43.3B |
| Q1 2025 | $69B | $58.1B |
| Q2 2025 | $71.4B | $60.6B |
| Q3 2025 | $71.5B | $60.5B |
| Q4 2025 | $72.8B | $61.1B |
| Q1 2026 | $72.3B | $60.3B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $4.96B |
| Investor CRE | $5.84B |
| Multifamily | $1.79B |
| Construction | $3.22B |
| 1–4 family | $4.5B |
| C&I | $14.8B |
| Agriculture | $1.34B |
| Other | $3.69B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%68th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE13.19%71st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY3.28%43rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.11%76th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+3.76%42nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+11.64%67th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.41%76th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ8.59%19th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.01%37th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC172%50th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%50th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.68%Median 1.38%90th 2.34%Observations 198
ROE
FDIC
NETINC + ROE13.19%46th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.24%Median 13.82%90th 23.25%Observations 198
NIM
FDIC
NIM + NIMY3.28%11th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.26%Median 4.01%90th 4.90%Observations 198
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.11%80th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.04%Median 58.86%90th 76.72%Observations 198
Deposits YoY
FDIC
DEP+3.76%47th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.58%Median +4.12%90th +13.39%Observations 197
Loans YoY
FDIC
LNLSNET+11.64%74th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.75%Median +6.28%90th +19.25%Observations 195
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.41%51st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 2.31%Observations 195
Leverage
FDIC
RBC1AAJ8.59%14th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.24%Median 10.68%90th 14.69%Observations 198
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.01%21st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.46%90th 3.44%Observations 197
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC172%57th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 33%Median 142%90th 319%Observations 108
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%20th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.29%Median 1.52%90th 1.87%Observations 6
ROE
FDIC
NETINC + ROE13.19%20th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 11.74%Median 18.38%90th 24.06%Observations 6
NIM
FDIC
NIM + NIMY3.28%20th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.63%90th 4.11%Observations 6
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.11%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 28.66%Median 47.73%90th 60.03%Observations 6
Deposits YoY
FDIC
DEP+3.76%20th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +3.26%Median +6.02%90th +10.34%Observations 6
Loans YoY
FDIC
LNLSNET+11.64%80th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.34%Median +6.74%90th +14.68%Observations 6
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.41%60th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.09%Median 0.43%90th 0.92%Observations 6
Leverage
FDIC
RBC1AAJ8.59%60th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.05%Median 8.24%90th 10.55%Observations 6
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.01%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.38%90th 2.85%Observations 6
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC172%60th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 47%Median 143%90th 219%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 208 branches
- Headquarters
- Kansas City, MO
FDIC
OFFDOMOpen the Missouri dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data