BlastPoint's Banking Scorecard
UMB Bank, National Association
Kansas City, MO
209 branches across MO · KS · CO · AZ · NM · TX · WI · CA · IA · IL · OK · MN · NE · UT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 6 in MO.
- Deposits -0.7% year over year ($60.2B on the books).
- Delinquency rate 0.35%.
- Return on assets 1.39%.
- Efficiency ratio 48.02% vs a 53.67% peer average.
- Loan-to-deposit ratio 67.67% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
UMB Bank, National Association has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 22.9% in tier
- + Efficiency Ratio 5.65% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 5.6% in tier
- - Capital Thin: Bottom 11.4% in tier
- - Credit Quality Pressure: Bottom 14.9% in tier
- - Credit Risk Growth: Bottom 45.8% in tier
- - Net Interest Margin 0.64% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.9B
+0.6% YoY
-0.6% QoQ
|
+$28.3B |
$43.6B
-13.8% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$40.7B
+11.8% YoY
+2.5% QoQ
|
+$12.8B |
$28.0B
-8.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
81% |
| Total Deposits ? |
$60.2B
-0.7% YoY
-0.3% QoQ
|
+$24.8B |
$35.4B
-14.0% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
85% |
| Return on Assets ? |
1.39%
+50.8% YoY
+0.3% QoQ
|
+0.00% |
1.39%
+25.9% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.28%
+8.1% YoY
+0.1% QoQ
|
-0.64% |
3.92%
+8.9% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
48.02%
-15.7% YoY
-0.2% QoQ
|
-5.65% |
53.67%
-1.9% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
0.35%
+21.7% YoY
-17.1% QoQ
|
-0.67% |
1.01%
-2.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
67.67%
+12.6% YoY
+2.8% QoQ
|
-14.94% |
82.61%
+3.1% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 14.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.54%
-12.6% YoY
-4.4% QoQ
|
+6.96% |
20.58%
+4.9% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.20%
+35.3% YoY
-13.5% QoQ
|
-0.53% |
0.73%
+5.8% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Top 12.9% in tier |
| Tier 1 Capital Ratio ? |
11.75%
+8.8% YoY
+1.6% QoQ
|
-3.60% |
15.35%
-0.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.4% in tier |
| Non-Interest Income / Assets ? |
0.45%
+9.2% YoY
+98.4% QoQ
|
-0.05% |
0.50%
+10.5% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
66% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.5%
-4.0pp YoY -1.3pp QoQ |
+6.5pp | 21.0% | 20.9% | 22.2% | 73% |
| Brokered Deposits |
1.5%
-0.7pp YoY 0.0pp QoQ |
-7.7pp | 9.2% | 7.4% | 8.5% | 20% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
38.1%
-3.0pp YoY +0.8pp QoQ |
+20.9pp | 17.2% | 12.3% | 12.5% | 95% |
| CRE |
38.6%
-3.5pp YoY -1.2pp QoQ |
-3.4pp | 42.0% | 36.8% | 41.4% | 39% |
| 1-4 Family |
11.2%
-0.7pp YoY -0.1pp QoQ |
-11.9pp | 23.1% | 31.9% | 31.3% | 18% |
| Consumer |
1.4%
-0.2pp YoY 0.0pp QoQ |
-11.5pp | 12.9% | 4.1% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.9pp YoY +0.2pp QoQ |
-3.5pp | 15.3% | 18.5% | 19.7% | 14% |
| Leverage Ratio |
8.9%
+0.9pp YoY +0.3pp QoQ |
-1.5pp | 10.4% | 11.6% | 12.6% | 14% |
| Total Capital Ratio |
12.6%
+1.0pp YoY +0.2pp QoQ |
-3.9pp | 16.5% | 19.6% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4,111
-119 (-2.8%) YoY -32 (-0.8%) QoQ |
+853 | 3,258 | 162 | 482 | 78% |
| Assets per Employee ($) |
$17.5M
+3.6% YoY +0.2% QoQ |
-$9.5M | $27.0M | $8.0M | $8.8M | 67% |
| Branch Count |
207
-1 (-0.5%) YoY 0 QoQ |
+69 | 137 | 10 | 18 | 78% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.3% | 0.4% | 43% |
| Nonaccrual |
0.3%
0.0pp YoY -0.1pp QoQ |
-0.4pp | 0.7% | 0.8% | 1.0% | 18% |
| Allowance Coverage |
3.10x
-17.5% YoY +20.8% QoQ |
+0.29x | 2.81x | 10.47x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.4% | 0.3% | 0.2% | 55% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+2.9pp YoY -0.1pp QoQ |
+0.4pp | 12.6% | 14.3% | 11.6% | 68% |
| Cost of Funds (YTD) |
2.0%
-0.4pp YoY 0.0pp QoQ |
0.0pp | 2.0% | 1.8% | 1.7% | 57% |
| Net Income ($, YTD) |
$501.2M
+71.8% YoY — QoQ |
+$204.4M | $296.8M | $11.3M | $40.4M | 84% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.