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UMB Bank, National Association
Kansas City, MO·FDIC Cert #8273·Charter: OCC·Est. 19020828.0·HC: UMB FINANCIAL CORP
Total Assets
$72.8B
Q4 2025
Return on Assets
1.01%
+0.05%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.76%
Peer avg: 51.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.01%+0.05
ROE
10.56%+0.30
Efficiency
56.76%-0.43
Equity/Assets
0.00%+0.00
NPL Ratio
0.43%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
62.83%+1.13
Charge-offs
0.24%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.0 | 1.0 | 0.7 | 0.9 | 1.0 | 1.0 |
| ROE | 14.5 | 14.3 | 13.5 | 13.6 | 7.8 | 10.2 | 10.3 | 10.6 |
| Efficiency | 59.0 | 57.8 | 58.6 | 58.5 | 59.4 | 57.0 | 57.2 | 56.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.3 | 0.3 | 0.4 | 0.4 |
| Charge-offs | 0.1 | 0.0 | 0.1 | 0.1 | 0.5 | 0.3 | 0.3 | 0.2 |
| Loan/Deposit | 63.2 | 65.3 | 62.1 | 58.6 | 61.2 | 60.1 | 61.7 | 62.8 |
Balance Sheet
Total Assets$72.8B
Total Deposits$61.1B
Total Loans$38.4B
Total Equity$7.5B
Profitability
ROA1.01%
ROE10.56%
Efficiency Ratio56.76%
Net Income$677.4M
Risk & Asset Quality
NPL Ratio0.43%
Charge-off Rate0.24%
Loan/Deposit62.83%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans