UMB Bank, National Association
Kansas City, Missouri, Jackson County
$71.9B in total assets, the 41st largest of 4,309 US banks and 1st of 195 headquartered in Missouri.
- FDIC certificate
- 8273
- Established
- 1902
- Owned by
- Umb Financial Corp
- Primary regulator
- OCC
- Website
- www.umb.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $71.9B | 94% | $22.4B | |
| Loans | $41.2B | 90% | $14.4B | |
| Deposits | $60.2B | 95% | $18.0B | |
| Return on assets | 1.23% | 43% | 1.30% | |
| Net interest margin | 3.28% | 30% | 3.62% | |
| Efficiency ratio | 48.0% | 24% | 55.2% | |
| Equity to assets | 10.88% | 37% | 11.60% | |
| Loans to deposits | 68% | 14% | 87% |
Growth
Total assets grew 14.6% a year over the last 5 years and 14.0% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2025 | HTLF Bank Denver, CO | $17.2B |
| May 2015 | Meridian Bank, National Association Phoenix, AZ | $745M |
| May 2015 | Meridian Bank Texas Fort Worth, TX | $442M |
| Dec 2012 | UMB National Bank of America Salina, KS, an affiliate under the same holding company | $585M |
| Dec 2012 | UMB Bank Colorado, National Association Denver, CO, an affiliate under the same holding company | $1.6B |
| Dec 2012 | UMB Bank Arizona, National Association Scottsdale, AZ, an affiliate under the same holding company | $177M |
| Dec 2007 | UMB Bank, Warsaw, National Association Warsaw, MO, an affiliate under the same holding company | $102M |
| Dec 2004 | UMB Bank Omaha, National Association Omaha, NE, an affiliate under the same holding company | $71M |
| Aug 2004 | UMB U.S.A., National Association Falls City, NE, an affiliate under the same holding company | $121M |
| Mar 2000 | Charter National Bank Oklahoma City, OK, an affiliate under the same holding company | $60M |
| Mar 2000 | UMB Oklahoma Bank Oklahoma City, OK, an affiliate under the same holding company | $146M |
| Sep 1999 | UMB Bank, Northeast Monroe City, MO, an affiliate under the same holding company | $71M |
| Sep 1999 | UMB First State Bank of Morrisonville Morrisonville, IL, an affiliate under the same holding company | $11M |
| Sep 1999 | UMB Bank of St. Louis, National Association St. Louis, MO, an affiliate under the same holding company | $1.1B |
| Sep 1999 | UMB Bank, Warrensburg Warrensburg, MO, an affiliate under the same holding company | $109M |
| Sep 1999 | UMB Bank, Jefferson City Jefferson City, MO, an affiliate under the same holding company | $44M |
| Sep 1999 | UMB Bank, Boonville Boonville, MO, an affiliate under the same holding company | $39M |
| Aug 1999 | UMB Bank Southwest Carthage, MO, an affiliate under the same holding company | $297M |
| Aug 1999 | UMB Bank, National Association Kansas City, MO, an affiliate under the same holding company | $4.1B |
| Aug 1999 | UMB Bank, North Central Brookfield, MO, an affiliate under the same holding company | $73M |
| Jul 1999 | UMB Bank, Northwest St. Joseph, MO, an affiliate under the same holding company | $152M |
| Apr 1997 | UMB Bank Kansas, National Association Kansas City, MO, an affiliate under the same holding company | $788M |
| Jun 1991 | United Missouri Bank Northland Kansas City, MO, an affiliate under the same holding company | $30M |
| Jun 1991 | United Missouri Bank of Clay County, National Association Liberty, MO, an affiliate under the same holding company | $22M |
| Mar 1991 | United Missouri Bank of Hickman Mills Kansas City, MO, an affiliate under the same holding company | $99M |
| Mar 1991 | United Missouri City Bank Kansas City, MO, an affiliate under the same holding company | $280M |
| Mar 1991 | United Missouri Bank South Kansas City, MO, an affiliate under the same holding company | $119M |
| Jun 1990 | Blue Valley Federal Savings and Loan Association Kansas City, MO | $645M |
Where they operate
192 branches in 92 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jackson County, MO | $31.7B | 58.4% | 1 of 43 |
| Denver County, CO | $4.1B | 6.8% | 5 of 45 |
| Maricopa County, AZ | $3.7B | 2.0% | 8 of 55 |
| St. Louis City County, MO | $2.1B | 3.9% | 5 of 26 |
| Johnson County, KS | $1.7B | 6.3% | 6 of 60 |
| Winnebago County, IL | $1.6B | 19.8% | 1 of 18 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 72 branches since 2016 (120 to 192, +60.0%). 5 opened, 104 acquired, 37 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 120 | |||
| 2016 | Opened OlatheClosed 10 in 5 states | 1 | 10 | −9 | 111 |
| 2017 | Closed 13 in 5 states | 0 | 13 | −13 | 98 |
| 2018 | Opened LeawoodClosed Kansas City and Oklahoma City | 1 | 2 | −1 | 97 |
| 2019 | Sold 1 branch to Verimore BankClosed Whiteman Air Force Base | 0 | 2 | −2 | 95 |
| 2022 | Opened LenexaClosed Blue Springs and Windsor | 1 | 2 | −1 | 94 |
| 2023 | Closed Denver | 0 | 1 | −1 | 93 |
| 2025 | Acquired HTLF BankOpened Midvale, closed 5 in 3 states | 105 | 5 | +100 | 193 |
| 2026 through Q2 | Opened PhoenixClosed Phoenix and Scottsdale | 1 | 2 | −1 | 192 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 38% | 17% | |
| Commercial real estate | 27% | 25% | |
| 1-4 family residential | 11% | 21% | |
| Construction and land | 7% | 6% | |
| Multifamily | 4% | 8% | |
| Farmland | 2% | 1% | |
| Consumer | 1% | 10% | |
| Agricultural | 1% | 1% | |
| Other | 8% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 67% | 62% | |
| Noninterest-bearing | 28% | 20% | |
| Time deposits | 5% | 18% |
Brokered deposits are 1.5% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.33% | 0.63% |
| Net charge-offs, annualized | 0.17% | 0.14% |
| Reserves to loans | 1.06% | 1.15% |
| Leverage ratio | 8.89% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Jackson County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/umb-bank-kansas-city-mo