other material
confidence high
sentiment positive
materiality 0.65
UMB Financial reaffirms strong liquidity and deposit base amid banking sector volatility
UMB FINANCIAL CORP
- Uninsured deposits estimated at ~57% after excluding collateralized deposits; no crypto exposure.
- Available liquidity sources total $16.2B (52% of deposits); CET1 ratio 10.62% at year-end 2022.
- Deposits well diversified: consumer avg <$25K, commercial avg <$500K; no sector over 6% of total.
- Non-performing loans only 9 bps of total loans; bond portfolio high-quality with no intent to sell AFS.