UMB Bank, National Association: how it compares with its peers
Against 35 U.S. banks with half to twice its assets, UMB Bank, National Association's strongest measure in Q2 2026 is efficiency ratio (48.02% vs. a 52.54% peer median). Its weakest relative measure is net interest margin (3.28% vs. 3.32%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.39% | 1.24% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 3.32% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.02% | 52.54% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.5M | $12.7M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.67% | 85.01% | Context |
What it means for lending operations
Its efficiency ratio of 48.02% is better than the 52.54% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Old National Bank Evansville, IN · $73.86B
- SouthState Bank, National Association Winter Haven, FL · $68.79B
- CIBC Bank USA Chicago, IL · $66.50B
- Valley National Bank Passaic, NJ · $66.23B
- Columbia Bank Roseburg, OR · $65.37B
Questions about UMB Bank, National Association
How big is UMB Bank, National Association?
UMB Bank, National Association, established in 1902, is headquartered in Kansas City, MO. It reported $71.90B in total assets in its Q2 2026 FDIC call report and operates 209 offices.
What is UMB Bank, National Association's return on assets?
1.39% annualized in Q2 2026, against a 1.24% median for 35 U.S. banks with half to twice its assets, ahead of 63% of them.
What is UMB Bank, National Association's efficiency ratio?
48.02% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 52.54%, and lower is better.
Is UMB Bank, National Association growing its loans?
Net loans grew 11.8% over the year to Q2 2026, while deposits shrank 0.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.