UMB Bank, National Association

Kansas City, MissouriFDIC Cert #8273

OCCEstablished 1902208 branches

Holding company: UMB FINANCIAL CORPRegulator: OCC

FDICCERT + OFFDOMfiled 2026-07-29

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q2 2026FDICCall Reportfiled 2026-07-29

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %

0.13%

−22.3%y/y

FDICP3ASSET + LNLSGRfiled 2026-07-29

90+ %

0.03%

+80.1%y/y

FDICP9ASSET + LNLSGRfiled 2026-07-29

Nonaccrual %

0.31%

+17.6%y/y

FDICNAASSET + LNLSGRfiled 2026-07-29

Noncurrent %

0.34%

+21.7%y/y

FDICP9ASSET + NAASSET + LNLSGRfiled 2026-07-29

NPA/assets

0.20%

+35.3%y/y

FDICP9ASSET + NAASSET + ORE + ASSETfiled 2026-07-29

NPA

$147M

+36.2%y/y

FDICP9ASSET + NAASSET + OREfiled 2026-07-29

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate

0.18%

−48.6%y/y

FDICNTLNLS + LNLSGRfiled 2026-07-29

NCO

$34.8M

−32.2%y/y

FDICNTLNLS + DRLNLS + CRLNLSfiled 2026-07-29

ACL/loans

1.06%

+0.3%y/y

FDICLNATRES + LNLSGRfiled 2026-07-29

30–89

$51.8M

−13.2%y/y

FDICP3ASSETfiled 2026-07-29

90+

$13.7M

+101.3%y/y

FDICP9ASSETfiled 2026-07-29

Nonaccrual

$128M

+31.4%y/y

FDICNAASSETfiled 2026-07-29