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Overview / Commentary
816-860-7930
1010 Grand Boulevard
Kansas City, MO 64106

UMB Bank, National Association is headquartered in Kansas City and is the 3rd largest bank in the state of Missouri. It is also the 76th largest bank in the nation. It was established in 1902 and as of December of 2013, it had grown to 2,760 employees at 115 locations. UMB Bank, National Association has a A health rating.

Reviews (2)

Wow Did This Just Happened?

My name is Jan Michel. I walked into a Price Chopper on N. Oak and Vivion Rd. In N. Kansas City. This grocery store has a UMB branch in it. I inquired about opening an account. I had 2 forms of I'D and $500.00 in my pocket to be used to open an account. After waiting for about 15 minutes for an employee of the branch I got greeted. I inquired about an account. The lady replied with this exactly word for word. " We can't open any accounts today anymore because we are too busy." At first I was like haha funny. But was shocked to find out the lady was absolutely 100% serious. With a complete blank mind I just walked away. The bank does not want my money because it is too busy. Ok. OK fine I won't beg. 6:4pm on March 24th of the year 2014

Review For UMB Bank Branch On Battlefield In Springfield, MO

I have had an account at this branch for a little over a year.  I have only once had a pleasant and helpful teller. They are very rude.  When they explain their reasons for why they can't do a certain transaction, they talk down to you. They left me waiting in the drive thru for 20 minutes without an explanation......all I was doing was a deposit!  Will be moving my business to another bank!!



Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 UMB Bank, National Association had $29.33 million in non-current loans and owned real-estate with $1.23 billion in equity and loan loss allowances on hand to cover it. This gives UMB Bank, National Association a Texas Ratio of 2.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for UMB Bank, National Association experienced no significant changes from 2.58% as of December 31, 2012 to 2.38% as of December 31, 2013, resulting in a positive change of 7.70%.This indicates that the balance sheet and financial strength for UMB Bank, National Association has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, UMB Bank, National Association has increased its total deposits by $2.09 billion, resulting in 17.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth UMB Bank, National Association has shown is excellent.

Capitalization

GRADE:
C-

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. UMB Bank, National Association has $16.64 billion in assets with $1.23 billion in equity, resulting in a capitalization level of 7.41%, which is below average.

Institution Statistics

Overall
FDIC Certificate #8273
Year Established1902
Employees2760
Primary RegulatorOCC
Assets and Liabilities
Assets$16.64 billion
Loans$6.45 billion
Deposits$13.80 billion
Equity Capital$1.16 billion
Loan Loss Allowance$74.75 million
Unbacked Noncurrent Loans$28.04 million
Real Estate Owned$1.29 million
Historic Data - December 2012
Assets$14.69 billion
Equity Capital$1.06 billion
Loan Loss Allowance$71.43 million
Unbacked Noncurrent Loans$28.04 million
Real Estate Owned$3.52 million
Profit Margin - Quarterly
Net Interest Margin2.31%
Return on Assets0.57%
Return on Equity8.18%
Interest Income$350.46 million
Rates

Sorry, we do not have rate data for UMB Bank, National Association

Locations

UMB Bank, National Association has 114 locations. Click to view all UMB Bank, National Association locations.