UMBF UMB Financial (UMBF) Q1 FY26 earnings call
UMB Financial delivered a strong Q1 FY26, marked by robust loan growth and significant core margin expansion, alongside continued capital build. The company addressed concerns regarding private credit exposure, clarifying its negligible direct lending risk and diversified asset servicing. Management emphasized its long-term strategy of organic growth, opportunistic capital returns, and leveraging technology for efficiency, expecting continued positive operating leverage.
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UMBF operating KPIs by quarter
| KPI | This call Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Change vs prior quarter |
|---|---|---|---|
| Common equity tier 1 ratio (CET1) | 11.16%Moving on, our capital levels continue to build with March 31 common equity Tier 1 ratio of 11.16%, a 20 basis point improvement from December.Source: earnings call transcript | 11.45%On the capital front, levels continue to build with June 30 common equity Tier 1 ratio of 11.45%, a 29 basis point increase from March.Source: earnings call transcript | +0.3 pt |
| Net interest margin | 3.38%Reported net interest margin for the first quarter was 3.38%.Source: earnings call transcript | 3.32%Reported net interest margin for the second quarter was 3.32% excluding the 23 basis points contribution from purchase accounting adjustments, core margin was 3.09%, increasing 4 basis points sequentially.Source: earnings call transcript | -0.1 pt |
| Net interest margin Core | 3.05%Excluding the 33 basis points contribution from purchase accounting adjustments, core margin was 3.05%, increasing 9 basis points sequentially.Source: earnings call transcript | 3.09%Reported net interest margin for the second quarter was 3.32% excluding the 23 basis points contribution from purchase accounting adjustments, core margin was 3.09%, increasing 4 basis points sequentially.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.