UMB Bank, National Association
Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 8.5. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability.
Asset Mix:
Securities (25%), comm loans (23%), cash (17%), comm re (12%), home mtgs (6%), consumer loans (1%), home eq lns (1%), other (16%)
States with Branches:
AZ, CO, IL, KS, MO, NE, OK, TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
UMB Financial Corporation
Investment Rating
Address
1010 Grand Boulevard
Kansas City, MO 64106
Kansas City, MO 64106
Phone Number
(816) 860-7930
Year Founded
1913
FDIC Number
Website
Largest Affiliates
Saint Louis, MO
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Bank