UMB Bank and Trust, National Association
Kansas City, Missouri
$3M in total assets, the 4,309th largest of 4,309 US banks and 195th of 195 headquartered in Missouri.
- FDIC certificate
- 34065
- Established
- 1995
- Owned by
- No holding company
At a glance
Compared with 17 banks headquartered in Missouri with under $100 million in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3M | 2% | $83M | |
| Loans | $0K | 2% | $52M | |
| Deposits | $0K | 2% | $72M | |
| Return on assets | 0.10% | 6% | 1.18% | |
| Net interest margin | n/a | n/a | 4.12% | |
| Efficiency ratio | 99.9% | 88% | 59.9% | |
| Equity to assets | 100.00% | 98% | 12.15% | |
| Loans to deposits | n/a | n/a | 73% |
Growth
Total assets grew 0.1% a year over the last 5 years and 0.1% a year over 10 years, without acquisitions.
Where they operate
0 branches in 0 counties.
Branch history since 2016
No change since 2016. The bank has operated 0 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|
Deposits by type
| Type | Share | This bank | Peers |
|---|
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | n/a | 0.48% |
| Net charge-offs, annualized | n/a | 0.01% |
| Reserves to loans | n/a | 1.27% |
| Leverage ratio | 100.03% | 12.39% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
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-trust-kansas-city-mo