Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

UMB BANK NATIONAL ASSN

FDIC #8273 · MO · period 20260630

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Total assets19,031,168-6.21% YoY

Total deposits15,515,203-3.05% YoY

Net loans and leases9,623,849-9.77% YoY

Return on assets0.73%-7.82% YoY

Return on equity8.51%-11.45% YoY

Net interest margin2.69%-5.37% YoY

Peer position

Return on assets66thin line · n=35

Return on equity64thin line · n=33

Net interest margin43rdin line · n=35

Equity to assets52ndin line · n=33

Noncurrent loans91ststrength · n=33

Liquid assets85thstrength · n=33

Brokered deposits82ndstrength · n=33

Loans to deposits82ndstrength · n=33

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	19,031,168	15,515,203	9,623,849	0.73	8.51	2.69
2016-06-30	19,467,485	15,745,867	10,008,891	0.74	8.50	2.70
2016-09-30	19,452,015	15,477,985	10,214,776	0.75	8.55	2.72
2016-12-31	20,399,583	16,692,167	10,453,818	0.77	8.92	2.75
2017-03-31	20,290,729	16,003,043	10,665,744	0.80	9.61	2.84
2017-06-30	20,081,185	16,240,966	10,754,126	0.82	9.69	2.89
2017-09-30	20,003,267	16,118,712	10,903,068	0.86	10.01	2.94
2017-12-31	21,557,938	18,312,790	11,181,276	0.86	10.05	2.94
2018-03-31	20,794,182	17,491,956	11,362,987	1.04	12.15	2.99
2018-06-30	20,314,652	16,646,685	11,536,724	1.04	11.96	3.06
2018-09-30	21,235,511	17,981,915	11,865,558	1.04	12.00	3.06
2018-12-31	23,137,750	19,491,164	12,077,609	0.90	10.45	3.07
2019-03-31	23,304,309	19,505,439	12,447,243	0.99	11.50	3.04
2019-06-30	23,796,211	19,551,338	12,800,905	0.97	11.05	3.03
2019-09-30	23,964,733	19,486,735	12,947,417	1.01	11.25	3.04
2019-12-31	26,357,635	21,761,772	13,337,696	1.09	12.20	3.00
2020-03-31	26,151,097	21,289,982	13,771,344	0.10	1.07	2.83
2020-06-30	29,673,899	24,590,840	15,111,972	0.46	5.17	2.75
2020-09-30	30,130,067	24,936,685	15,748,429	0.65	7.19	2.73
2020-12-31	32,975,982	27,232,240	15,892,599	1.00	11.20	2.70
2021-03-31	34,409,284	28,483,240	16,304,813	0.96	11.36	2.47
2021-06-30	36,376,318	30,275,926	16,715,498	0.97	11.60	2.45
2021-09-30	37,334,402	31,500,908	16,279,921	0.99	12.05	2.45
2021-12-31	42,392,285	35,809,744	16,977,349	0.93	11.77	2.37
2022-03-31	40,291,313	34,548,692	17,552,768	0.99	14.71	2.16
2022-06-30	37,246,891	31,775,233	18,808,534	0.98	14.78	2.32
2022-09-30	37,314,511	32,014,996	19,701,515	0.97	14.51	2.42
2022-12-31	38,279,055	32,829,617	20,841,331	1.00	14.82	2.51
2023-03-31	40,354,002	32,076,770	21,603,885	0.96	13.68	2.68
2023-06-30	40,976,024	33,660,048	22,265,200	0.92	13.07	2.55
2023-09-30	41,190,599	33,573,832	22,663,051	0.93	13.24	2.50
2023-12-31	43,729,953	35,939,822	22,957,166	0.85	12.13	2.45
2024-03-31	45,065,965	37,046,616	23,415,905	1.03	14.47	2.34
2024-06-30	44,202,241	36,685,911	23,962,506	1.03	14.33	2.37
2024-09-30	47,229,981	39,843,709	24,747,060	0.98	13.47	2.35
2024-12-31	50,150,137	43,319,333	25,385,968	0.98	13.55	2.36
2025-03-31	69,014,200	58,142,921	35,572,458	0.67	7.85	2.96
2025-06-30	71,438,991	60,599,246	36,423,753	0.92	10.15	3.04
2025-09-30	71,519,137	60,458,325	37,304,706	0.96	10.26	3.05
2025-12-31	72,780,016	61,057,431	38,361,960	1.01	10.56	3.11
2026-03-31	72,349,509	60,331,165	39,712,920	1.38	13.19	3.28
2026-06-30	71,898,588	60,172,026	40,719,150	1.39	13.06	3.28

Structure and branch footprint

209 current branch locations across 14 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-02-01	1	3465226	936855
2015-06-01	1	978369	936855
2015-06-01	1	3565265	936855
2012-12-31	1	3375080	936855
2012-12-31	1	593753	936855
2012-12-31	1	597555	936855
2007-12-08	1	381259	936855
2004-12-04	1	2494742	936855
2004-08-01	1	2346579	936855
2000-03-04	1	695554	936855
2000-03-04	1	314051	936855
1999-09-25	1	1008348	936855
1999-09-25	1	814757	936855
1999-09-25	1	823357	936855
1999-09-11	1	380757	936855
1999-09-11	1	890041	936855
1999-09-11	1	731658	936855
1999-08-28	1	578648	936855
1999-08-28	1	831259	936855
1999-08-28	1	696850	936855

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.