BlastPoint's Banking Scorecard

UMB Bank, National Association

$10B-$250B Specialty: Commercial MO FDIC cert 8273

Kansas City, MO

210 branches across MO · KS · CO · TX · AZ · NM · WI · CA · IA · IL · OK · MN · NE · UT

137 banks in the $10B-$250B peer group nationally 6 in MO

UMB Bank, National Association has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.10% above tier average
+ Efficiency Ratio 5.90% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 34.3% in tier
- Net Interest Margin 0.50% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$72.3B +4.8% YoY -0.6% QoQ	+$25.4B	$47.0B -1.9% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$39.7B +11.6% YoY +3.5% QoQ	+$10.4B	$29.4B -0.4% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$60.3B +3.8% YoY -1.2% QoQ	+$21.9B	$38.4B -1.6% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.38% +105.0% YoY +36.6% QoQ	+0.10%	1.28% +18.7% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	3.28% +10.6% YoY +5.6% QoQ	-0.50%	3.77% +5.8% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	48.11% -19.0% YoY -15.2% QoQ	-5.90%	54.01% -3.7% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.42% +38.8% YoY -1.6% QoQ	-0.60%	1.02% -3.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	65.82% +7.6% YoY +4.8% QoQ	-14.96%	80.79% +1.9% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Top 14.6% in tier
Non-Interest-Bearing Deposit Share ?	28.82% -7.2% YoY +0.3% QoQ	+8.78%	20.04% +0.2% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.24% +46.4% YoY +2.5% QoQ	-0.49%	0.72% +4.2% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	11.57% +9.8% YoY +2.0% QoQ	-3.94%	15.51% -0.4% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 11.7% in tier
Non-Interest Income / Assets ?	0.23% +13.1% YoY -73.0% QoQ	+0.00%	0.22% +0.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	70%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#13 of 35 • Bottom 34.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.57%

(Tier: 15.51%, National: 17.06%)

worse than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (7 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 65.82%

Peer Median: 80.79%

#21 of 137 Top 14.6% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.24%

Peer Median: 0.72%

#23 of 137 Top 16.1% in $10B-$250B

Total Deposits

size

Value: $60.33B

Peer Median: $38.42B

#24 of 137 Top 16.8% in $10B-$250B

Total Assets

size

Value: $72.35B

Peer Median: $46.96B

#25 of 137 Top 17.5% in $10B-$250B

Total Loans

size

Value: $39.71B

Peer Median: $29.36B

#30 of 137 Top 21.2% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 28.82%

Peer Median: 20.04%

#32 of 137 Top 22.6% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.42%

Peer Median: 1.02%

#35 of 136 Top 25.0% in $10B-$250B

Top Weaknesses (1 metrics)

122

Tier 1 Capital Ratio

capital

Value: 11.57%

Peer Median: 15.51%

#122 of 137 Bottom 11.7% in $10B-$250B