Side-by-side · Q2 2026 data
UMB Bank, National Association vs The Central Trust Bank
Metric by metric
| Measure | UMB Bank, National Association | The Central Trust Bank |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 39 (stronger) | 29 |
| Loan quality | 89 (stronger) | 84 |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 43 | 64 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 54th | 69th |
| Total assets | $71.9B | $20.3B |
| Deposits / shares | $60.2B | $16.4B |
| Capital ratio | 8.89% (stronger) | 7.94% |
| Problem loans | 0.34% (stronger) | 0.49% |
| Net charge-offs | 0.17% | 0.10% (stronger) |
| Return on assets | 1.39% | 1.99% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 70.4% |
| Uninsured deposits | 63.6% | 38.4% (stronger) |
| Offices | 189 | 150 |
| CFPB complaints (3 yrs) | 306 | 97 |
| Complaints per $1B deposits | 5.1 (stronger) | 5.9 |
| Mortgage denial rate (HMDA) | 30.5% | 10.4% |
The Central Trust Bank has the higher TellerScore (69 vs 65). On the 8 directional measures above (where higher or lower is clearly better), UMB Bank, National Association leads on 4 and The Central Trust Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Kansas City, MO
- Overland Park, KS
- Springfield, MO
- Columbia, MO
- Jefferson City, MO
- Olathe, KS
- Independence, MO
- Lawrence, KS
- Tulsa, OK
- Oklahoma City, OK
- Lees Summit, MO
- Saint Louis, MO
- Boonville, MO
- Kansas City, KS
- O Fallon, MO
- Blue Springs, MO
- Littleton, CO
- Shawnee, KS
- Westminster, CO
- Warrensburg, MO
- Leawood, KS
- Liberty, MO