UMB Bank, National Association

UMB Bank, National Association is headquartered in Kansas City and is the 3^rd largest bank in the state of Missouri. It is also the 100^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 2,474 employees at 106 locations. UMB Bank, National Association has a 4-star health rating.

UMB Bank, National Association Routing Number: 101000695

Data for Q1 2012

UMB Bank, National Association consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

8273 - UMB Bank, National Association
19298 - UMB Bank Colorado, National Association
4768 - UMB National Bank of America
58155 - UMB Bank Arizona, National Association

Institution Statistics UMB Bank, National Association FDIC Certificate # 8273 BankRate Report View Year Established 1902 Employees 2474 Primary Regulator OCC Assets and Liabilities Assets $11.42 billion Loans $4.06 billion Deposits $9.22 billion Equity Capital $764.79 million Loan Loss Allowance $62.85 million Unbacked Noncurrent Loans $20.39 million Real Estate Owned $5.42 million Historic Data - March 2011 Assets $11.36 billion Equity Capital $696.01 million Loan Loss Allowance $62.63 million Unbacked Noncurrent Loans $19.98 million Real Estate Owned $3.68 million Profit Margin - Quarterly Net Interest Margin 2.44% Return on Assets 1.09% Return on Equity 16.16% Interest Income $68.82 million

Institution Health Overall Score: 4 out of 5 Texas Ratio 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 March 31, 2012 UMB Bank, National Association had $25.81 million in non-current loans and owned real-estate with $827.64 million in equity and loan loss allowances on hand to cover it. This gives UMB Bank, National Association a Texas Ratio of 3.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for UMB Bank, National Association held steady from 3.02% as of March 31, 2011 to 3.12% as of March 31, 2012, resulting in a negative change of 3.12%. This indicates that the balance sheet and financial strength for UMB Bank, National Association has held steady in recent periods. Deposit Growth In the past year, UMB Bank, National Association has increased its total deposits by $203.68 million, resulting in 2.26% 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 above average. Capitalization 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 $11.42 billion in assets with $827.64 million in equity, resulting in a capitalization level of 7.25%, which is below average.