$40.1B
+11.7%y/y
Percentile by value72nd percentileby value
FDIC
LNLSGRUB
UMB Bank, National Association
Kansas City, MissouriFDIC Cert #8273
OCCEstablished 1902208 branches
Holding company: UMB FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$39.7B
+11.6%y/y
Percentile by value72nd percentileby value
FDIC
LNLSNET+11.64%
−77.6%y/y
Percentile by value67th percentileby value
FDIC
LNLSNET65.8%
+7.6%y/y
Percentile by value19th percentileby value
FDIC
LNLSNET + DEP54.9%
+6.5%y/y
Percentile by value20th percentileby value
FDIC
LNLSNET + ASSET54.50%
−6.3%y/y
Percentile by value42nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
172%
−14.8%y/y
Percentile by value50th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC51%
−28.3%y/y
Percentile by value80th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,944points
−15.2%y/y
Peer standing30th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.36%
+1.8%y/y
Percentile by value74th percentileby value
FDIC
LNRENROW + LNLSGR14.54%
−9.2%y/y
Percentile by value49th percentileby value
FDIC
LNRENROT + LNLSGR36.88%
−8.2%y/y
Percentile by value93rd percentileby value
FDIC
LNCI + LNLSGR