UMB Financial (UMBF) Debt/Assets Ratio: History & Chart

UMB Financial Corporation(UMBF)

Banks - Regional · Kansas City, MO

$130.08+0.28 (+0.22%)

Delayed quote: Oct 6, 2026, 4:00 PM EDT

About UMB Financial Corporation

UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial Banking division provides businesses with essential services, including commercial loans, credit cards, and real estate financing. This segment also offers letters of credit, loan syndication, and consultative support. Furthermore, it delivers specialized business solutions such as asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investments. Comprehensive treasury management services are also available, encompassing depository functions, account reconciliation, cash management tools, accounts payable and receivable solutions, electronic funds transfers, automated payments, controlled disbursements, lockbox services, and remote deposit capture. The Institutional Banking division caters specifically to institutional clients, offering asset management and healthcare services. Its extensive offerings include fund administration and accounting, investor services, transfer agency functions, marketing and distribution support, custody, and alternative investment services. This segment also manages fixed-income sales, trading, and underwriting, alongside providing corporate trust, escrow, and institutional custody services. A notable feature of this division is its healthcare payment solutions, which incorporate custodial services for health savings accounts and versatile private-label debit cards. These solutions are extended to a diverse clientele, including insurance carriers, third-party administrators, software companies, employers, and financial institutions. For individual customers, the Personal Banking segment presents a suite of services such as deposit accounts, retail credit cards, and private banking. It also provides various loan products, including installment loans, home equity lines of credit, residential mortgages, and small business loans. These offerings are complemented by internet banking, an expansive ATM network, brokerage, insurance, advisory, and trust services. The company operates a substantial network of branches and offices across 17 states: Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. Established in 1913, UMB Financial Corporation maintains its headquarters in Kansas City, Missouri.

Kansas City, MO

5,222 employees

www.umb.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: J. Mariner Kemper

View full financials

UMBF Debt to Assets Ratio Metrics

DEBT TO ASSETS RATIO

4.93%

DEBT TO ASSETS RATIO AVG TTM

4.93%

DEBT TO ASSETS RATIO AVG 3Y

6.37%

DEBT TO ASSETS RATIO AVG 5Y

6.81%

DEBT TO ASSETS RATIO AVG 10Y

7.36%

DEBT TO ASSETS RATIO AVG 15Y

8.67%

DEBT TO ASSETS RATIO AVG 20Y

10.27%

CURRENT VS TTM AVG

-0.04%

CURRENT VS 3Y AVG

-22.53%

CURRENT VS 5Y AVG

-27.54%

CURRENT VS 10Y AVG

-32.95%

CURRENT VS 15Y AVG

-43.08%

CURRENT VS 20Y AVG

-51.96%

SECTOR MEDIAN · FINANCIAL SERVICES

0.05%

median of 739 covered companies

CURRENT VS SECTOR MEDIAN

+9764.23%

vs the sector median at left

NAME	MARKET CAP	DEBT TO ASSETS RATIO	TTM	3Y	5Y
UMB Financial Corporation (UMBF)	$9.88B	4.93%	4.93%	6.37%	6.81%
Wintrust Financial Corporation (WTFC)vs ›	$9.78B	0.06%	N/A	N/A	N/A
Zions Bancorporation, National Association (ZIONP)vs ›	$9.73B	0.04%	N/A	N/A	N/A
FactSet Research Systems Inc. (FDS)vs ›	$9.67B	0.37%	N/A	N/A	N/A
Popular, Inc. (BPOP)vs ›	$10.11B	0.02%	N/A	N/A	N/A
Fidelity High Dividend ETF (FDVV)vs ›	$9.59B	N/A	N/A	N/A	N/A
Old National Bancorp (ONBPO)vs ›	$10.20B	0.11%	N/A	N/A	N/A
Old National Bancorp (ONB)vs ›	$9.52B	0.11%	N/A	N/A	N/A
Erie Indemnity Company (ERIE)vs ›	$10.31B	0.02%	N/A	N/A	N/A
Old National Bancorp (ONBPP)vs ›	$10.32B	0.11%	N/A	N/A	N/A

NAME

MARKET CAP

DEBT TO ASSETS RATIO

TTM

UMB Financial Corporation (UMBF)

$9.88B

4.93%

6.37%

6.81%

Wintrust Financial Corporation (WTFC)vs ›

$9.78B

0.06%

N/A

Zions Bancorporation, National Association (ZIONP)vs ›

$9.73B

0.04%

N/A

FactSet Research Systems Inc. (FDS)vs ›

$9.67B

0.37%

N/A

Popular, Inc. (BPOP)vs ›

$10.11B

0.02%

N/A

Fidelity High Dividend ETF (FDVV)vs ›

$9.59B

N/A

Old National Bancorp (ONBPO)vs ›

$10.20B

0.11%

N/A

Old National Bancorp (ONB)vs ›

$9.52B

0.11%

N/A

Erie Indemnity Company (ERIE)vs ›

$10.31B

0.02%

N/A

Old National Bancorp (ONBPP)vs ›

$10.32B

0.11%

N/A

Debt to Assets Ratio FAQ

What is the debt to assets ratio for UMB Financial Corporation (UMBF)?

The debt to assets ratio for UMBF stock is 4.93%.

Is UMB Financial Corporation's debt to assets ratio high or low?

The debt to assets ratio of 4.93% is 28% below its 5-year average of 6.81%, near the low end of its 5-year range (4.30%–13.16%).

What is the TTM average debt to assets ratio for UMB Financial Corporation (UMBF)?

The TTM average debt to assets ratio for UMBF stock is 4.93%.

What is the 3Y average debt to assets ratio for UMB Financial Corporation (UMBF)?

The 3Y average debt to assets ratio for UMBF stock is 6.37%.

What is the 5Y average debt to assets ratio for UMB Financial Corporation (UMBF)?

The 5Y average debt to assets ratio for UMBF stock is 6.81%.

What is the 10Y average debt to assets ratio for UMB Financial Corporation (UMBF)?

The 10Y average debt to assets ratio for UMBF stock is 7.36%.

What is the 15Y average debt to assets ratio for UMB Financial Corporation (UMBF)?

The 15Y average debt to assets ratio for UMBF stock is 8.67%.

What is the 20Y average debt to assets ratio for UMB Financial Corporation (UMBF)?

The 20Y average debt to assets ratio for UMBF stock is 10.27%.

DATE	DEBT TO ASSETS RATIO
2026-06-30	4.93%
2026-03-31	5.54%
2025-12-31	5.20%
2025-09-30	4.30%
2025-06-30	4.70%
2025-03-31	4.64%
2024-12-31	5.94%
2024-09-30	5.60%
2024-06-30	6.97%
2024-03-31	7.96%
2023-12-31	7.96%
2023-09-30	10.71%
2023-06-30	8.32%
2023-03-31	13.16%
2022-12-31	6.76%
2022-09-30	7.17%
2022-06-30	7.82%
2022-03-31	7.67%
2021-12-31	8.22%
2021-09-30	7.38%
2021-06-30	8.34%
2021-03-31	8.74%
2020-12-31	7.80%
2020-09-30	7.32%
2020-06-30	6.89%
2020-03-31	7.73%
2019-12-31	7.41%
2019-09-30	7.78%
2019-06-30	7.48%
2019-03-31	6.69%
2018-12-31	6.86%
2018-09-30	5.92%
2018-06-30	8.50%
2018-03-31	6.83%
2017-12-31	6.15%
2017-09-30	9.53%
2017-06-30	9.64%
2017-03-31	11.99%
2016-12-31	9.35%
2016-09-30	10.63%
2016-06-30	9.52%
2016-03-31	9.18%
2015-12-31	10.00%
2015-09-30	7.70%
2015-06-30	10.11%
2015-03-31	10.32%
2014-12-31	11.62%
2014-09-30	10.56%
2014-06-30	10.36%
2014-03-31	12.41%
2013-12-31	9.39%
2013-09-30	9.47%
2013-06-30	14.18%
2013-03-31	10.60%
2012-12-31	12.01%
2012-09-30	8.81%
2012-06-30	10.74%
2012-03-31	11.13%
2011-12-31	14.54%
2011-09-30	11.36%
2011-06-30	12.04%
2011-03-31	12.87%
2010-12-31	17.16%
2010-09-30	12.95%
2010-06-30	13.01%
2010-03-31	12.66%
2009-12-31	17.00%
2009-09-30	11.72%
2009-06-30	11.61%
2009-03-31	14.41%
2008-12-31	19.85%
2008-09-30	13.30%
2008-06-30	16.51%
2008-03-31	15.11%
2007-12-31	19.31%
2007-09-30	13.89%
2007-06-30	16.23%
2007-03-31	17.95%
2006-12-31	18.80%
2006-09-30	15.75%
2006-06-30	13.04%
2006-03-31	14.83%
2005-12-31	17.39%
2005-09-30	16.71%
2005-06-30	14.92%
2005-03-31	15.24%
2004-12-31	20.07%
2004-09-30	16.65%
2004-06-30	15.43%
2004-03-31	14.74%
2003-12-31	16.27%
2003-09-30	12.70%
2003-06-30	14.24%
2003-03-31	13.44%
2002-12-31	16.56%
2002-09-30	16.49%

DATE

DEBT TO ASSETS RATIO

2026-06-30

4.93%

2026-03-31

5.54%

2025-12-31

5.20%

2025-09-30

4.30%

2025-06-30

4.70%

2025-03-31

4.64%

2024-12-31

5.94%

2024-09-30

5.60%

2024-06-30

6.97%

2024-03-31

7.96%

2023-12-31

7.96%

2023-09-30

10.71%

2023-06-30

8.32%

2023-03-31

13.16%

2022-12-31

6.76%

2022-09-30

7.17%

2022-06-30

7.82%

2022-03-31

7.67%

2021-12-31

8.22%

2021-09-30

7.38%

2021-06-30

8.34%

2021-03-31

8.74%

2020-12-31

7.80%

2020-09-30

7.32%

2020-06-30

6.89%

2020-03-31

7.73%

2019-12-31

7.41%

2019-09-30

7.78%

2019-06-30

7.48%

2019-03-31

6.69%

2018-12-31

6.86%

2018-09-30

5.92%

2018-06-30

8.50%

2018-03-31

6.83%

2017-12-31

6.15%

2017-09-30

9.53%

2017-06-30

9.64%

2017-03-31

11.99%

2016-12-31

9.35%

2016-09-30

10.63%

2016-06-30

9.52%

2016-03-31

9.18%

2015-12-31

10.00%

2015-09-30

7.70%

2015-06-30

10.11%

2015-03-31

10.32%

2014-12-31

11.62%

2014-09-30

10.56%

2014-06-30

10.36%

2014-03-31

12.41%

2013-12-31

9.39%

2013-09-30

9.47%

2013-06-30

14.18%

2013-03-31

10.60%

2012-12-31

12.01%

2012-09-30

8.81%

2012-06-30

10.74%

2012-03-31

11.13%

2011-12-31

14.54%

2011-09-30

11.36%

2011-06-30

12.04%

2011-03-31

12.87%

2010-12-31

17.16%

2010-09-30

12.95%

2010-06-30

13.01%

2010-03-31

12.66%

2009-12-31

17.00%

2009-09-30

11.72%

2009-06-30

11.61%

2009-03-31

14.41%

2008-12-31

19.85%

2008-09-30

13.30%

2008-06-30

16.51%

2008-03-31

15.11%

2007-12-31

19.31%

2007-09-30

13.89%

2007-06-30

16.23%

2007-03-31

17.95%

2006-12-31

18.80%

2006-09-30

15.75%

2006-06-30

13.04%

2006-03-31

14.83%

2005-12-31

17.39%

2005-09-30

16.71%

2005-06-30

14.92%

2005-03-31

15.24%

2004-12-31

20.07%

2004-09-30

16.65%

2004-06-30

15.43%

2004-03-31

14.74%

2003-12-31

16.27%

2003-09-30

12.70%

2003-06-30

14.24%

2003-03-31

13.44%

2002-12-31

16.56%

2002-09-30

16.49%

Debt to Assets Ratio: 4.93%

UMBF Debt to Assets Ratio

UMBF Average Debt to Assets Ratio Chart

UMBF Current vs Average Debt to Assets Ratio Chart

UMBF Debt to Assets Ratio Metrics

UMBF Competitors' Debt to Assets Ratio

Leverage Ratios Comparison

Debt to Assets Ratio Formula & Definition

Debt to Assets Ratio FAQ

UMBF Debt to Assets Ratio History

Related Metrics