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Umb Bank, National Association
Kansas City, MO · FDIC Certificate #8273 · Chartered 08/2
Total assets
$71.90B
Total deposits
$60.17B
Total equity
$7.83B
Net loans
$40.72B
Branches (offices)
192
Net income (YTD)
$501.23M
Rank: #40 of 4,213 U.S. banks by assets · #1 of 190 in Missouri. Assets changed 0.6% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 13.06% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 10.88% |
| Tier 1 leverage ratio | 8.89% |
| Uninsured deposits (share of deposits) | 63.6% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 67.7% |
| Real estate loans (share of loans) | 52.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $21.17B | 52.0% | |
| Commercial & industrial | $15.52B | 38.1% | |
| Consumer / individual | $584.80M | 1.4% | |
| Construction & development | $2.93B | 7.2% | |
| Agricultural | $441.50M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $37.25B | $31.78B | $196.36M | $2.42B |
| Jun 2023 | $40.98B | $33.66B | $183.31M | $2.87B |
| Jun 2024 | $44.20B | $36.69B | $228.25M | $3.26B |
| Jun 2025 | $71.44B | $60.60B | $291.83M | $7.02B |
| Jun 2026 | $71.90B | $60.17B | $501.23M | $7.83B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $36.32B | 45 |
| Colorado | $5.54B | 25 |
| Arizona | $3.70B | 13 |
| Kansas | $3.05B | 28 |
| Texas | $2.57B | 20 |
| New Mexico | $2.52B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $60.17B.
Similar-sized banks
Old National Bank ($73.86B) · Southstate Bank, National Association ($68.79B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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