The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 5 points (60 → 65), mostly because the earnings component improved by 18 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Missouri

Yes. UMB Bank, National Association is an FDIC-insured institution (FDIC certificate #8273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 63.6% of deposits ($38.2B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.89%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.62% (benchmark: 10%).

Check how much of your own balance is covered

UMB Bank, National Association lists 189 offices in 136 cities across 14 states. Most locations:

• Denver, CO (7)
• Kansas City, MO (7)
• Albuquerque, NM (6)
• Dubuque, IA (5)
• Overland Park, KS (5)
• Colorado Springs, CO (4)
• Lubbock, TX (4)
• Rockford, IL (4)
• Independence, MO (3)
• Olathe, KS (3)
• Phoenix, AZ (3)
• Sheboygan, WI (3)

All branch addresses and map

Over the last three years, the CFPB forwarded 306 consumer complaints about UMB FINANCIAL CORPORATION to the company (113 in the last 12 months). 99.0% received a timely response. That is 5.1 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, UMB Bank, National Association reported 4,410 home-loan applications under HMDA (LEI VNOO6EITDJ2YUEBMSZ83): 2,686 originated ($1,270,120,000 total), 1,222 denied, and 399 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

UMB Bank, National Association

Former names

United Missouri Bank of Cass County; UMB Bank, Cass County; The Cass County Bank

Type

National bank

FDIC certificate #

8273

RSSD ID

936855

Primary regulator

OCC

Holding company

UMB Financial Corp

Established

August 28, 1902

Headquarters

1010 Grand Blvd, Kansas City, MO 64106

Website

www.umb.com

Employees

4,111