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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

UMB Bank National Association

Kansas City, Missouri · $71.90B in assets · beside the 5 other Missouri banks over $10B

The filing

68.4%
Loans / deposits
1st of 6
10.9%
Equity / assets
3rd of 6
0.34%
NPA / loans
3rd of 6

UMB Bank National Association is the largest of the 6 Missouri banks over $10B, with $71.90B in assets at 30 June 2026. Loans are 68.4% of deposits, the lowest in the cohort against a median of 73.5%, and equity is 10.9% of assets, 3rd of 6. Loans grew +11.8% in the year, 3rd of 6, and deposits fell 0.7%; the cohort's median loan growth is +9.2%.

Noncurrent loans are 0.34% of the book, 3rd of 6 against a median of 0.42%; 0.13% is 30 to 89 days past due, and the allowance covers them 3.1 times. Net charge-offs are 0.17% of loans, 3rd of 6. Commercial real estate is 26.0% of loans, 4th of 6 against a median of 22.5%, and 164% of capital, below the 300% screen, with construction at 45% against the 100% screen. CRE has grown +91.7% over 36 months, past the guidance's 50% prong.

Return on assets is 1.42%, 3rd of 6 against a median of 1.36%, on an efficiency ratio of 51.4%, 4th of 6. Five years ago it was 0.99%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsMO banks over $10B · 30 June 2026 · lower is stronger, listed first
median 73.5% UB UMB Bank National Association 68.4% CT Central Trust Bank 71.3% SB Stifel Bank 72.9% CB Commerce Bank 74.1% EB Enterprise Bank & Trust 80.8% SB Stifel Bank & Trust 86.9%
Loans, year over yearMO banks over $10B · 30 June 2026 · no better direction, largest first
median +9.2% SB Stifel Bank +32.2% CB Commerce Bank +17.9% UB UMB Bank National Association +11.8% SB Stifel Bank & Trust +6.6% EB Enterprise Bank & Trust +4.2% CT Central Trust Bank +3.3%

SBA 7(a), FY2008 to FY2026

UMB Bank National Association is the 4th largest 7(a) lender into Wisconsin of 426, with $355M across 672 loans, 3.8% of everything approved in the state (Byline Bank leads with $864M). 191 of its 258 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Wisconsin, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sheboygan, WI$98M1st of 5927.4%quiet FY2019
Maricopa, AZ$94M23rd of 3031.2%+1.2 pts
Milwaukee, WI$74M3rd of 1445.7%quiet FY2021
Johnson, KS$70M3rd of 1855.6%+0.5 pts
Winnebago, IL$66M1st of 7420.1%-7.5 pts
Jackson, MO$58M2nd of 1835.7%-3.6 pts
Fresno, CA$55M5th of 1384.7%quiet FY2020
San Luis Obispo, CA$51M3rd of 997.5%thin
Lubbock, TX$43M1st of 9711.4%+3.2 pts
Hennepin, MN$37M19th of 2281.3%-0.6 pts
Denver, CO$33M14th of 1931.7%-0.7 pts
Waukesha, WI$27M12th of 1222.4%quiet FY2020
Jefferson, CO$27M16th of 1831.8%-0.6 pts
245 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing481$278M19.5%0.70%26th of 2,246
Accommodation & food services473$176M12.3%0.23%98th of 2,596
Retail trade412$163M11.4%0.27%70th of 2,589
Health care & social assistance419$142M9.9%0.30%53rd of 2,172
Construction339$139M9.7%0.44%39th of 2,063
7(a) lenders into Wisconsin, share of approvals since FY2008426 lenders on record; the ten largest and UMB Bank National Association
BB Byline Bank 9.3% $864M · 860 loans BF Bank Five Nine 7.9% $733M · 1,782 loans BF Bank First, N.A. 4.7% $437M · 963 loans UB UMB Bank, National Association 3.8% $355M · 672 loans UB U.S. Bank, National Association 3.5% $324M · 1,831 loans NN Nicolet National Bank 3.2% $296M · 741 loans ON Old National Bank 3.0% $279M · 390 loans AB Associated Bank National Associat… 3.0% $278M · 2,089 loans LO Live Oak Banking Company 2.6% $246M · 206 loans SC Summit CU 2.6% $244M · 1,034 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
UMB Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen164%4th of 6130%
Construction against capital, the 100% screen45%4th of 641%
Construction and land development, share of loans7.1%4th of 66.8%
Non-owner-occupied nonfarm nonresidential, share of loans14.7%4th of 612.5%
Total CRE, the guidance definition, share of loans26.0%4th of 622.5%
CRE growth over 36 months, the third prong+91.7%6th of 6+4.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
UMB Bank National Association$71.90B1.4%51.4%0.34%0.17%1.1%68.4%10.9%
Commerce Bank$35.02B1.2%60.0%0.17%0.24%0.9%74.1%11.0%
Central Trust Bank$20.31B2.0%47.8%0.49%0.10%1.3%71.3%9.0%
Stifel Bank & Trust$19.62B1.9%26.9%1.09%0.41%0.6%86.9%6.8%
Enterprise Bank & Trust$17.36B1.1%61.0%0.98%0.30%1.2%80.8%11.8%
Stifel Bank$14.62B1.3%29.1%0.06%0.00%0.4%72.9%6.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
UMB Bank National AssociationCohort median
20212026Change20212026Change
Loans$16.92B$41.16B+143%$9.19B$13.56B+48%
Deposits$30.28B$60.17B+99%$11.55B$16.97B+47%
NPA / loans0.35%0.34%-0.01 pts0.19%0.42%+0.23 pts
Efficiency60.4%51.4%-9.1 pts54.6%49.6%-5.0 pts
ROA0.99%1.42%+0.44 pts1.46%1.36%-0.09 pts

This read was prepared for UMB Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on UMB Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks over $10B
Institution www.umb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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