Call reports 2025
UMB BANK, NATIONAL ASSOCIATION — 2025
What UMB BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 69,014,200,000 | 71,438,991,000 | 71,519,137,000 | 72,780,016,000 |
| Total loans | 35,941,380,000 | 36,813,671,000 | 37,709,677,000 | 38,781,438,000 |
| Allowance for loan losses | 368,922,000 | 389,918,000 | 404,971,000 | 419,478,000 |
| Securities available for sale | 10,895,640,000 | 12,162,669,000 | 13,378,262,000 | 13,709,124,000 |
| Securities held to maturity | 5,717,330,000 | 5,499,457,000 | 5,654,232,000 | 5,724,227,000 |
| Trading assets | 22,338,000 | 21,866,000 | 25,076,000 | 19,493,000 |
| Total deposits | 58,142,921,000 | 60,599,246,000 | 60,458,325,000 | 61,057,431,000 |
| Interest-bearing deposits | 40,092,803,000 | 41,507,850,000 | 43,956,100,000 | 43,517,285,000 |
| Noninterest-bearing deposits | 18,050,118,000 | 19,091,396,000 | 16,502,225,000 | 17,540,146,000 |
| Equity capital | 6,773,981,000 | 7,016,315,000 | 7,284,913,000 | 7,527,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 737,378,000 | 1,586,308,000 | 2,464,372,000 | 3,350,546,000 |
| Interest expense | 330,911,000 | 703,026,000 | 1,095,996,000 | 1,450,658,000 |
| Net interest income | 406,467,000 | 883,282,000 | 1,368,376,000 | 1,899,888,000 |
| Noninterest income | 137,559,000 | 292,606,000 | 455,794,000 | 607,436,000 |
| Noninterest expense | 340,517,000 | 712,852,000 | 1,111,345,000 | 1,516,747,000 |
| Provision for loan losses | 83,579,000 | 104,870,000 | 130,300,000 | 157,461,000 |
| Pretax income | 117,235,000 | 355,460,000 | 581,974,000 | 833,945,000 |
| Income tax | 16,845,000 | 63,631,000 | 110,127,000 | 156,537,000 |
| Net income | 100,390,000 | 291,829,000 | 471,847,000 | 677,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,940,187,000 | 5,144,056,000 | 5,398,915,000 | 5,625,218,000 |
| Total capital | 5,321,896,000 | 5,546,470,000 | 5,813,452,000 | 6,052,101,000 |
| Risk-weighted assets | 46,881,744,000 | 47,620,282,000 | 48,594,826,000 | 49,606,669,000 |