Umb Bank National Assn (FDIC #8273): Bank Stress & Real-Estate Credit Exposure

Umb Bank National Assn (FDIC Cert #8273): bank stress 60/100, elevated, STABLE over 7 days; parent UMB FINANCIAL CORP (UMBF).

Umb Bank National Assn (#8273) lends in 92 counties across 14 states; Umb Bank National Assn (#8273) reaches 2,123 ZIP codes: Missouri 19 counties, 362 ZIPs; Texas 16 counties, 309 ZIPs; Kansas 13 counties, 226 ZIPs; New Mexico 12 counties, 145 ZIPs; Colorado 8 counties, 217 ZIPs; California 6 counties, 156 ZIPs.

Umb Bank National Assn (#8273) largest markets: Maricopa County, AZ (1,820 branches, 140 ZIPs) (#8273), Dallas County, TX (95 branches, 95 ZIPs) (#8273), Tarrant County, TX (76 branches, 76 ZIPs) (#8273), Hennepin County, MN (146 branches, 73 ZIPs) (#8273), Fresno County, CA (60 branches, 60 ZIPs) (#8273), Jackson County, MO (754 branches, 58 ZIPs) (#8273).

Umb Bank National Assn (#8273) reports $71.90 billion in total assets; Umb Bank National Assn (#8273) equity $7.83 billion (10.9% of Umb Bank National Assn (#8273) assets); Umb Bank National Assn (#8273) domestic deposits $60.17 billion; Umb Bank National Assn (#8273) net income $501.2 million; Umb Bank National Assn (#8273) return on assets 1.39%; Umb Bank National Assn (#8273) return on equity 13.06%; Umb Bank National Assn (#8273) net interest income $1.08 billion; Umb Bank National Assn (#8273) call report June 30, 2026.

Umb Bank National Assn (#8273) noncurrent real-estate loans 0.12% of its book; Umb Bank National Assn (#8273) residential 0.22%; Umb Bank National Assn (#8273) net charge-offs on real estate 0.44%; Umb Bank National Assn (#8273) commercial charge-offs 0.13%; Umb Bank National Assn (#8273) multifamily charge-offs 0.84%; Umb Bank National Assn (#8273) residential charge-offs 0.40%.

Umb Bank National Assn (#8273) net interest margin 3.28% against an eight-quarter Umb Bank National Assn (#8273) average of 2.93% (Umb Bank National Assn (#8273) compression -0.35 points); Umb Bank National Assn (#8273) real-estate loans 12.1% of equity; Umb Bank National Assn (#8273) commercial real estate 13.1% of equity; Umb Bank National Assn (#8273) non-residential real estate 39.6% of equity; Umb Bank National Assn (#8273) rate-exposure score 51/100, Umb Bank National Assn (#8273) fixed-rate trap 51/100; Umb Bank National Assn (#8273) risk type market signal; Umb Bank National Assn (#8273) rate regime rates elevated; Umb Bank National Assn (#8273) shares 13.5% below the 52-week high, Umb Bank National Assn (#8273) equity trend weakening, Umb Bank National Assn (#8273) snapshot October 20, 2026.

Umb Bank National Assn (#8273) stress score moved from 59.3 on June 22, 2026 to 59.7 on October 20, 2026; Umb Bank National Assn (#8273) ranged 59.3 to 59.7 over 117 snapshots.

Umb Bank National Assn (#8273) alerts: 38 counties; top Umb Bank National Assn (#8273) alert scores: Atchison County, MO 44 (moderate); Clinton County, MO 42 (moderate); Dallas County, MO 41 (moderate); Monroe County, MO 39 (moderate); Lawrence County, MO 38 (moderate).