BlastPoint's Banking Scorecard
UMB Bank, National Association
Large
Specialty: Commercial
MO
FDIC cert 8273
Kansas City, MO
69
banks in Large tier nationally
2 in MO
View Large leaderboard (MO) →
UMB Bank, National Association shows strong momentum with 1 strength and 45.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1% in Large
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$72.8B
+45.1% YoY
+1.8% QoQ
|
-$2.1B |
$74.9B
-4.4% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$38.4B
+51.1% YoY
+2.8% QoQ
|
-$8.1B |
$46.4B
-2.1% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$61.1B
+40.9% YoY
+1.0% QoQ
|
+$581.5M |
$60.5B
-4.5% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.01%
+3.6% YoY
+5.3% QoQ
|
-0.18% |
1.19%
+17.8% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.11%
+31.6% YoY
+2.0% QoQ
|
-0.35% |
3.46%
+13.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
56.76%
-2.9% YoY
-0.8% QoQ
|
+1.73% |
55.03%
-2.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.43%
+301.4% YoY
+14.8% QoQ
|
-0.45% |
0.88%
-0.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
62.83%
+7.2% YoY
+1.8% QoQ
|
-18.89% |
81.72%
+3.9% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.73%
-9.8% YoY
+5.2% QoQ
|
+8.76% |
19.97%
+0.5% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.23%
+305.9% YoY
+15.6% QoQ
|
-0.32% |
0.55%
+9.0% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? |
11.34%
-1.1% YoY
+2.1% QoQ
|
-1.99% |
13.33%
-0.7% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Bottom 12% in tier |
| Non-Interest Income / Assets ? |
0.83%
-12.3% YoY
+31.0% QoQ
|
-0.25% |
1.09%
+2.4% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#1 of 18 · Top 1% in Large
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.43%
(Tier: 0.88%, National: 0.66%)
18 of 18 Large banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Loan-to-Deposit Ratio
Current: 62.83% · Tier avg: 81.72%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.55%
78
78th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.88%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 28.73% · Tier avg: 19.97%
68
68th pctile
Total Assets
Current: $72.8B · Tier avg: $74.9B
68
68th pctile
Total Deposits
Current: $61.1B · Tier avg: $60.5B
59
59th pctile
Total Loans
Current: $38.4B · Tier avg: $46.4B
53
53th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 1.09%
42
42th pctile
Efficiency Ratio
Current: 56.76% · Tier avg: 55.03%
35
35th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.19%
28
28th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.46%
12
12th pctile
Tier 1 Capital Ratio
Current: 11.34% · Tier avg: 13.33%
Top Weaknesses
12
12th pctile
Tier 1 Capital Ratio
Current: 11.34% · Tier avg: 13.33%
28
28th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.46%
35
35th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.19%
42
42th pctile
Efficiency Ratio
Current: 56.76% · Tier avg: 55.03%
53
53th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 1.09%
59
59th pctile
Total Loans
Current: $38.4B · Tier avg: $46.4B
68
68th pctile
Total Deposits
Current: $61.1B · Tier avg: $60.5B
68
68th pctile
Total Assets
Current: $72.8B · Tier avg: $74.9B
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 28.73% · Tier avg: 19.97%
78
78th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.88%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.55%
88
88th pctile
Loan-to-Deposit Ratio
Current: 62.83% · Tier avg: 81.72%