Banks/FDIC #8273

Regulatory profile

UMB BANK NATIONAL ASSN

Kansas City, MO · FDIC certificate #8273 · RSSD 936855

History available42 quarters2016-03-31 to 2026-06-30

Legal statusActive

Primary regulatorOCC

CharterN

Peer cohortassets 50b 250b

Locations209

Current parentUMB FINANCIAL CORPORATION

Performance workbook

Trend, change and peer context in one table

Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.

Peer interpretation

Strengths and opportunities

$50B–$250B asset cohort · 35 institutions

in lineReturn on assets66thfavorable percentile · n=35

in lineReturn on equity64thfavorable percentile · n=33

in lineNet interest margin43rdfavorable percentile · n=35

in lineEquity to assets52ndfavorable percentile · n=33

strengthNoncurrent loans91stfavorable percentile · n=33

strengthLiquid assets85thfavorable percentile · n=33

strengthBrokered deposits82ndfavorable percentile · n=33

strengthLoans to deposits85thfavorable percentile · n=33

Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.

Reported performance

Current filing

Total assets$71.9B-0.62% QoQ

Total deposits$60.2B-0.26% QoQ

Net loans$40.7B+2.53% QoQ

Return on assets1.39%Current filing

Return on equity13.06%Current filing

Net interest margin3.28%Current filing

Equity to assets10.88%Detailed Call Report

Common equity tier 111.75%Detailed Call Report

Noncurrent loans0.34%Detailed Call Report

Liquid assets34.65%Detailed Call Report

Brokered deposits1.48%Detailed Call Report

Loans to deposits68.40%Detailed Call Report

Available as you continuePortfolio composition and exposure

Available as you continuePortfolio ratio trends

Available as you continueDeposit driver bridge

Available as you continueCall Report schedule explorer

Available as you continueBranch and geographic intelligence

Available as you continueWorkforce and branch productivity

Period-matched peer context

assets 50b 250b

Percentiles use 33 verified constituents for the same filing period.

Brokered deposit ratio19thMedian 0.063 · n=33

Common equity tier 1 ratio28thMedian 0.123 · n=33

Commercial real-estate loans to total loans69thMedian 0.283 · n=33

Efficiency ratio25thMedian 0.560 · n=33

Equity to assets50thMedian 0.109 · n=33

Liquid assets ratio84thMedian 0.250 · n=33

Loan to deposit ratio16thMedian 0.848 · n=33

Nonaccrual loans ratio16thMedian 0.007 · n=33

Ten-year database

Quarterly observations

Available as you continueTRACE historical research workbench

Quarter	Assets	Deposits	Net loans	ROA	ROE	NIM
2026-06-30	$71.9B	$60.2B	$40.7B	1.39%	13.06%	3.28%
2026-03-31	$72.3B	$60.3B	$39.7B	1.38%	13.19%	3.28%
2025-12-31	$72.8B	$61.1B	$38.4B	1.01%	10.56%	3.11%
2025-09-30	$71.5B	$60.5B	$37.3B	0.96%	10.26%	3.05%
2025-06-30	$71.4B	$60.6B	$36.4B	0.92%	10.15%	3.04%
2025-03-31	$69.0B	$58.1B	$35.6B	0.67%	7.85%	2.96%
2024-12-31	$50.2B	$43.3B	$25.4B	0.98%	13.55%	2.36%
2024-09-30	$47.2B	$39.8B	$24.7B	0.98%	13.47%	2.35%
2024-06-30	$44.2B	$36.7B	$24.0B	1.03%	14.33%	2.37%
2024-03-31	$45.1B	$37.0B	$23.4B	1.03%	14.47%	2.34%
2023-12-31	$43.7B	$35.9B	$23.0B	0.85%	12.13%	2.45%
2023-09-30	$41.2B	$33.6B	$22.7B	0.93%	13.24%	2.50%
2023-06-30	$41.0B	$33.7B	$22.3B	0.92%	13.07%	2.55%
2023-03-31	$40.4B	$32.1B	$21.6B	0.96%	13.68%	2.68%
2022-12-31	$38.3B	$32.8B	$20.8B	1.00%	14.82%	2.51%
2022-09-30	$37.3B	$32.0B	$19.7B	0.97%	14.51%	2.42%
2022-06-30	$37.2B	$31.8B	$18.8B	0.98%	14.78%	2.32%
2022-03-31	$40.3B	$34.5B	$17.6B	0.99%	14.71%	2.16%
2021-12-31	$42.4B	$35.8B	$17.0B	0.93%	11.77%	2.37%
2021-09-30	$37.3B	$31.5B	$16.3B	0.99%	12.05%	2.45%
2021-06-30	$36.4B	$30.3B	$16.7B	0.97%	11.60%	2.45%
2021-03-31	$34.4B	$28.5B	$16.3B	0.96%	11.36%	2.47%
2020-12-31	$33.0B	$27.2B	$15.9B	1.00%	11.20%	2.70%
2020-09-30	$30.1B	$24.9B	$15.7B	0.65%	7.19%	2.73%
2020-06-30	$29.7B	$24.6B	$15.1B	0.46%	5.17%	2.75%
2020-03-31	$26.2B	$21.3B	$13.8B	0.10%	1.07%	2.83%
2019-12-31	$26.4B	$21.8B	$13.3B	1.09%	12.20%	3.00%
2019-09-30	$24.0B	$19.5B	$12.9B	1.01%	11.25%	3.04%
2019-06-30	$23.8B	$19.6B	$12.8B	0.97%	11.05%	3.03%
2019-03-31	$23.3B	$19.5B	$12.4B	0.99%	11.50%	3.04%
2018-12-31	$23.1B	$19.5B	$12.1B	0.90%	10.45%	3.07%
2018-09-30	$21.2B	$18.0B	$11.9B	1.04%	12.00%	3.06%
2018-06-30	$20.3B	$16.6B	$11.5B	1.04%	11.96%	3.06%
2018-03-31	$20.8B	$17.5B	$11.4B	1.04%	12.15%	2.99%
2017-12-31	$21.6B	$18.3B	$11.2B	0.86%	10.05%	2.94%
2017-09-30	$20.0B	$16.1B	$10.9B	0.86%	10.01%	2.94%
2017-06-30	$20.1B	$16.2B	$10.8B	0.82%	9.69%	2.89%
2017-03-31	$20.3B	$16.0B	$10.7B	0.80%	9.61%	2.84%
2016-12-31	$20.4B	$16.7B	$10.5B	0.77%	8.92%	2.75%
2016-09-30	$19.5B	$15.5B	$10.2B	0.75%	8.55%	2.72%
2016-06-30	$19.5B	$15.7B	$10.0B	0.74%	8.50%	2.70%
2016-03-31	$19.0B	$15.5B	$9.6B	0.73%	8.51%	2.69%

Ownership, transformations and revisions

Entity history

NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.

Parent relationships

UMB FINANCIAL CORPORATIONRSSD 1049828 · 1970-12-21 to current

Transformations

2025-02-01RSSD 3465226 → 936855 · code 1

2015-06-01RSSD 978369 → 936855 · code 1

2015-06-01RSSD 3565265 → 936855 · code 1

2012-12-31RSSD 597555 → 936855 · code 1

2012-12-31RSSD 3375080 → 936855 · code 1

2012-12-31RSSD 593753 → 936855 · code 1

Reviewed revisions

No reviewed revisions published.

Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗

Put it in context

Compare and investigate

Use consistent definitions, then verify material findings against the official filing.

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Quarter

Assets

Deposits

Net loans

ROA

ROE

NIM

2026-06-30

$71.9B

$60.2B

$40.7B

1.39%

13.06%

3.28%

2026-03-31

$72.3B

$60.3B

$39.7B

1.38%

13.19%

3.28%

2025-12-31

$72.8B

$61.1B

$38.4B

1.01%

10.56%

3.11%

2025-09-30

$71.5B

$60.5B

$37.3B

0.96%

10.26%

3.05%

2025-06-30

$71.4B

$60.6B

$36.4B

0.92%

10.15%

3.04%

2025-03-31

$69.0B

$58.1B

$35.6B

0.67%

7.85%

2.96%

2024-12-31

$50.2B

$43.3B

$25.4B

0.98%

13.55%

2.36%

2024-09-30

$47.2B

$39.8B

$24.7B

0.98%

13.47%

2.35%

2024-06-30

$44.2B

$36.7B

$24.0B

1.03%

14.33%

2.37%

2024-03-31

$45.1B

$37.0B

$23.4B

1.03%

14.47%

2.34%

2023-12-31

$43.7B

$35.9B

$23.0B

0.85%

12.13%

2.45%

2023-09-30

$41.2B

$33.6B

$22.7B

0.93%

13.24%

2.50%

2023-06-30

$41.0B

$33.7B

$22.3B

0.92%

13.07%

2.55%

2023-03-31

$40.4B

$32.1B

$21.6B

0.96%

13.68%

2.68%

2022-12-31

$38.3B

$32.8B

$20.8B

1.00%

14.82%

2.51%

2022-09-30

$37.3B

$32.0B

$19.7B

0.97%

14.51%

2.42%

2022-06-30

$37.2B

$31.8B

$18.8B

0.98%

14.78%

2.32%

2022-03-31

$40.3B

$34.5B

$17.6B

0.99%

14.71%

2.16%

2021-12-31

$42.4B

$35.8B

$17.0B

0.93%

11.77%

2.37%

2021-09-30

$37.3B

$31.5B

$16.3B

0.99%

12.05%

2.45%

2021-06-30

$36.4B

$30.3B

$16.7B

0.97%

11.60%

2.45%

2021-03-31

$34.4B

$28.5B

$16.3B

0.96%

11.36%

2.47%

2020-12-31

$33.0B

$27.2B

$15.9B

1.00%

11.20%

2.70%

2020-09-30

$30.1B

$24.9B

$15.7B

0.65%

7.19%

2.73%

2020-06-30

$29.7B

$24.6B

$15.1B

0.46%

5.17%

2.75%

2020-03-31

$26.2B

$21.3B

$13.8B

0.10%

1.07%

2.83%

2019-12-31

$26.4B

$21.8B

$13.3B

1.09%

12.20%

3.00%

2019-09-30

$24.0B

$19.5B

$12.9B

1.01%

11.25%

3.04%

2019-06-30

$23.8B

$19.6B

$12.8B

0.97%

11.05%

3.03%

2019-03-31

$23.3B

$19.5B

$12.4B

0.99%

11.50%

3.04%

2018-12-31

$23.1B

$19.5B

$12.1B

0.90%

10.45%

3.07%

2018-09-30

$21.2B

$18.0B

$11.9B

1.04%

12.00%

3.06%

2018-06-30

$20.3B

$16.6B

$11.5B

1.04%

11.96%

3.06%

2018-03-31

$20.8B

$17.5B

$11.4B

1.04%

12.15%

2.99%

2017-12-31

$21.6B

$18.3B

$11.2B

0.86%

10.05%

2.94%

2017-09-30

$20.0B

$16.1B

$10.9B

0.86%

10.01%

2.94%

2017-06-30

$20.1B

$16.2B

$10.8B

0.82%

9.69%

2.89%

2017-03-31

$20.3B

$16.0B

$10.7B

0.80%

9.61%

2.84%

2016-12-31

$20.4B

$16.7B

$10.5B

0.77%

8.92%

2.75%

2016-09-30

$19.5B

$15.5B

$10.2B

0.75%

8.55%

2.72%

2016-06-30

$19.5B

$15.7B

$10.0B

0.74%

8.50%

2.70%

2016-03-31

$19.0B

$15.5B

$9.6B

0.73%

8.51%

2.69%