UMB Bank

What sets UMB Bank apart

How large is UMB Bank?

The balance sheet of UMB Bank at Q2 2026: assets $71.9 bn, deposits $60.2 bn, net loans $40.7 bn (loans equal to 67.67% of deposits). Securities make up 26.7% of total assets at UMB Bank. Since Q1 2016, when UMB Bank held $19.0 bn, its assets grew 277.8%. In the year to Q2 2026, deposits at UMB Bank fell 0.7% while its total assets rose 0.6%. At Q2 2026, UMB Bank employed 4,111 full-time equivalent staff across 207 offices, about $17.5 mn of assets per employee and $290.7 mn of deposits per office.

How much funding at UMB Bank is uninsured?

At UMB Bank, uninsured deposits (above the FDIC limit) made up 63.56% of domestic deposits at Q2 2026 (-3.89 pp on a year earlier); UMB Bank ranks 22nd of 500 on this measure. In dollars, UMB Bank estimated $38.2 bn of uninsured deposits.

Key facts, Q2 2026

US rank of UMB Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of UMB Bank stood at 11.75% in Q2 2026, +0.95 pp year on year. Low and high at UMB Bank since Q1 2016: 10.54% (Q1 2025) to 11.92% (Q4 2020). Equity capital of UMB Bank at Q2 2026: $7.8 bn, or 10.9% of total assets. UMB Bank also reported a total capital ratio of 12.62% for Q2 2026, and a tier 1 leverage ratio of 8.89%.

On held-to-maturity securities, UMB Bank carried an unrealized loss of $477.0 mn at Q2 2026, equal to 6.1% of equity capital. The loss narrowed by $61.5 mn over the year. Its deepest point: $876.1 mn in Q3 2023. The available-for-sale portfolio of UMB Bank showed an unrealized loss of $415.2 mn at Q2 2026; the loss narrowed by $99.0 mn over the year.

For the year to Q2 2026, UMB Bank earned a return on equity of 13.06%; return on assets: 1.39%. Net interest margin at UMB Bank: 3.28%, +0.25 pp in a year. UMB Bank net income: $501.2 mn, up 71.8% year on year. The efficiency ratio of UMB Bank was 48.02%: about 48 cents cost per revenue dollar, against 48 cents at the median peer.

At Q2 2026, noncurrent loans were 0.34% of total loans at UMB Bank; net charge-offs: 0.17% of average loans. Gross loans and leases at UMB Bank: $41.2 bn, up 11.8% in a year.

The peer group of UMB Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of UMB Bank (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Missouri. Against them, UMB Bank shows CET1 ratio 11.75% against a peer median of 12.22%, return on equity 13.06% against a peer median of 11.21% and uninsured deposit share 63.56% against a peer median of 41.80%.

The FDIC history of UMB Bank, oldest first; figures before and after each event are not like for like.

1. 1 February 2025. Absorbed HTLF Bank (FDIC certificate 58458).

Large one-quarter moves at UMB Bank

• Total assets at UMB Bank changed by +37.6% in the quarter to 2025-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from HTLF Bank.