Compared with Missouri
8 of 18
compared fees are above the median.
9 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
73rd percentile; peer median 3.3%
FDIC call report data · Jun 30, 2026
Fees above the Missouri median
of 18 compared; 9 below, 1 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for UMB Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCFD2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 30 banks with $50B to $250B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | UMB Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.3% of revenue, above the 3.3% median of 30 banks with $50B to $250B in assets (73rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $30.3M in Q2 2026, 1.8% above the same quarter a year earlier ($29.8M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 18 compared published fees sit above the Missouri median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Missouri medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $2, the middle of its prices
Monthly Maintenance
Compared at $11.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Missouri, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 1.2% from Q3 2025 to Q2 2026, to $30.3M. Its share of revenue, 4.3%, is above the 3.3% median for banks with $50B to $250B in assets.
$30.3M
UMB Bank, National AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 30 banks with $50B to $250B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $1 to $2; we compare the midpoint. Monthly maintenance: Listed at $3 to $20; we compare the midpoint.
UMB Bank, National Association · $71.9B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| UMB Bank, National Association(this institution) | Kansas City, MO | $71.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Associated Bank, National Association | Green Bay, WI | $51.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Banco Popular de Puerto Rico | San Juan, PR | $63.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of China | New York, NY | $48.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank OZK | Little Rock, AR | $41.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Barclays Bank Delaware | Wilmington, DE | $43.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BOKF, National Association | Tulsa, OK | $53B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| CIBC Bank USA | Chicago, IL | $66.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| City National Bank | Los Angeles, CA | $99.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Columbia Bank | Roseburg, OR | $65.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| East West Bank | Pasadena, CA | $84.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| EverBank, National Association | Jacksonville, FL | $46.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Pennsylvania | Greenville, PA | $50.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Flagstar Bank, National Association | Hicksville, NY | $87.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frost Bank | San Antonio, TX | $54B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| MidFirst Bank | Oklahoma City, OK | $42.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old National Bank | Evansville, IN | $73.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Prosperity Bank | El Campo, TX | $43.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raymond James Bank | Saint Petersburg, FL | $45.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Santander Bank, N.A. | Wilmington, DE | $104B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SoFi Bank, National Association | Cottonwood Heights, UT | $56.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| SouthState Bank, National Association | Winter Haven, FL | $68.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valley National Bank | Passaic, NJ | $66.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Western Alliance Bank | Phoenix, AZ | $98.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $89B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $11.50, the middle of its two prices, against a peer median of $8.50 among 13 publishing peers.
Its two checking prices are $3 and $20.
$11.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for UMB Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $30.3M | +$183K | +0.6% |
| Q1 2026 | $30.1M | +$1.7M | +6.0% |
| Q4 2025 | $28.4M | −$1.5M | −5.1% |
| Q3 2025 | $29.9M | +$175K | +0.6% |
| Q2 2025 | $29.8M | +$1.6M | +5.7% |
| Q1 2025 | $28.1M | +$6.3M | +29.1% |
| Q4 2024 | $21.8M | +$1.3M | +6.4% |
| Q3 2024 | $20.5M | −$2.2M | −9.6% |
Financial cohort: 33 banks with $50B to $250B in assets filing for Q2 2026; 30 reported a share above 0% and are counted, UMB Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to UMB Bank, National Association by share.
Amounts from UMB Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per item
per month
per item
per item
per item · First 3 withdrawals per statement cycle are free for Value Checking
per transaction
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Close Account within 90 days of establishing | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Charge 3 | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Fee | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research of Bank Records Fees | $1Below the U.S. middle 50% ($6.63 to $25 nationally) | per item | None |
| Paper Statements | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Charge 5 | $36Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Charge | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Account-to-Account Transfer Overdraft Protection | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transaction Fee – outside UMB ATM network | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-UMB ATM Withdrawal | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-UMB ATM Withdrawal Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | First 3 withdrawals per statement cycle are free for Value Checking |
| Non-UMB ATM Withdrawals | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| International Transaction Fee 4 | 2%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer of Funds Fees: Outgoing (Domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Check Fee | $2.50Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order Fee | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Request Fee (Domestic) | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check Fee | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Item Fee (Domestic) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Collection Items: UMB Foreign Check Collection Fee | $65Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Items Charge (Domestic) | No chargeBelow the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Legal Process Charge | $35Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
Other Fees | |||
| Duplicate Statement Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where UMB Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
192 offices in 14 states, $60.2B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 34 | $34.2B | |
| 17 | $4.9B | |
| 13 | $3.7B | |
| 14 | $2.9B | |
| Outside a metro area | 35 | $2.4B |
| 4 | $1.6B | |
| 9 | $1.6B | |
| 3 | $1.3B |
Kansas City, MO-KS
34.5% of bank deposits, #1 of 114, up 9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Commerce Bank | 9.9% |
| Bank of America, National Association | 5.5% |
| U.S. Bank National Association | 5.4% |
| Security Bank of Kansas City | 3.2% |
| The Central Trust Bank | 3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Kansas City, MO-KS, UMB Bank, National Association holds 34.5% of bank deposits, #1 of 114, with 34 offices.
773 offices of 157 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 114 institutions shown. $99.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 34.5% share, 34 offices, #1 of 114
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
122 offices of 44 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
106 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 38 |
| Problem with a purchase shown on your statement | 11 |
| Other features, terms, or problems | 9 |
| Incorrect information on your report | 5 |
| Closing an account | 5 |
| Problem caused by your funds being low | 4 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
1 order with no end date on file
OCC
Compliance Risk Management; Consumer Law; Third Party Risk Management; Unfair or Deceptive (UDAP)
Past
OCC, penalty $1.5M
Consumer Law; Unfair or Deceptive (UDAP)
OCC. Ended April 24, 2019
Compliance Risk Management; Consumer Law; Third Party Risk Management; Unfair or Deceptive (UDAP)
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
UMB FINANCIAL CORP (Nasdaq: UMBF)
Consolidated assets
$72.7B
Shareholders' equity
$7.9B
As of
2026Q3
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 101382. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.