Umb Bank National Assn
Kansas City, Missouri · FDIC Cert #8273
Umb Bank National Assn is an FDIC-insured bank (Certificate #8273) with $44.2B in total assets and $36.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Kansas City, Missouri, the bank maintains a Tier 1 capital ratio of 11.43% (Well-Capitalized) and a nonperforming loan ratio of 0.08%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Umb Bank National Assn (FDIC cert 8273) is a large bank with $44.2B in total assets and $36.7B in deposits, headquartered in Kansas City, Missouri. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 11.43% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.08% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 40.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.27% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Umb Bank National Assn carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Umb Bank National Assn
- Total Assets
- $44.2B
- Total Deposits
- $36.7B
- Tier 1 Capital Ratio
- 11.43%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.08%
- Liquidity Ratio
- 40.20%
- Return on Assets
- 1.27%
- Headquarters
- Kansas City, Missouri
- FDIC Certificate
- #8273
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Umb Bank National Assn holds a Tier 1 capital ratio of 11.43%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Umb Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Umb Bank National Assn shows strong financial health indicators. With $44.2B in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Umb Bank National Assn Compares
Umb Bank National Assn’s Health Score of 87 is 20 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 11.43% Tier 1 capital ratio is 2.6 points below the US banking industry average near 14%. The 0.08% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.27% is in line with or above the national ROA benchmark of ~1.1%. Among 54 similarly-sized banks, the average Health Score is 78, meaning this bank ranks above its size cohort. Site-wide, Umb Bank National Assn is 17 points above the portfolio average of 70.
Frequently Asked Questions
Umb Bank National Assn has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.43%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Umb Bank National Assn's Tier 1 capital ratio of 11.43% and nonperforming loan ratio of 0.08% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Umb Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8273). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Umb Bank National Assn holds $44.2B in total assets and $36.7B in total deposits. It is headquartered in Kansas City, Missouri (FDIC Certificate #8273).
Umb Bank National Assn has a Tier 1 capital ratio of 11.43%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.08%, and the return on assets is 1.27%.
Yes. Umb Bank National Assn is FDIC-insured (Certificate #8273). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Umb Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.