UMB Financial Corporation Asset Resilience Ratio
UMB Financial Corporation asset resilience ratio. UMB Financial Corporation (UMBF) has an Asset Resilience Ratio of 12.63% as of June 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See how many days can UMB Financial Corporation fund operations to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of UMB Financial Corporation (1996–2025)
Asset resilience ratio of UMB Financial Corporation from 1996 to 2025. This chart shows how UMB Financial Corporation's Asset Resilience Ratio has changed over time. Read UMBF total debt and obligations for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down UMB Financial Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see UMBF asset base.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $9.12 Billion | 12.63% |
| Total Liquid Assets | $9.12 Billion | 12.63% |
Asset Resilience Insights
- Moderate Liquidity: UMB Financial Corporation has 12.63% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
UMB Financial Corporation Industry Peers by Asset Resilience Ratio
Compare UMB Financial Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
UMB Financial Corporation Asset Resilience Ratio by Year (1996–2025)
UMB Financial Corporation asset resilience ratio by year from 1996 to 2025. The table below shows the annual Asset Resilience Ratio data for UMB Financial Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 12.01% | $8.78 Billion | $73.09 Billion | -3.41pp |
| 2024-12-31 | 15.42% | $7.77 Billion | $50.41 Billion | -0.64pp |
| 2023-12-31 | 16.06% | $7.07 Billion | $44.01 Billion | -2.13pp |
| 2022-12-31 | 18.19% | $7.01 Billion | $38.51 Billion | -9.86pp |
| 2021-12-31 | 28.05% | $11.98 Billion | $42.69 Billion | -0.02pp |
| 2020-12-31 | 28.07% | $9.30 Billion | $33.13 Billion | +0.03pp |
| 2019-12-31 | 28.04% | $7.45 Billion | $26.56 Billion | +0.02pp |
| 2018-12-31 | 28.02% | $6.54 Billion | $23.35 Billion | -0.73pp |
| 2017-12-31 | 28.75% | $6.26 Billion | $21.77 Billion | -2.52pp |
| 2016-12-31 | 31.26% | $6.47 Billion | $20.68 Billion | -4.38pp |
| 2015-12-31 | 35.65% | $6.81 Billion | $19.09 Billion | -3.85pp |
| 2014-12-31 | 39.49% | $6.91 Billion | $17.50 Billion | -0.49pp |
| 2013-12-31 | 39.99% | $6.76 Billion | $16.91 Billion | -6.49pp |
| 2012-12-31 | 46.48% | $6.94 Billion | $14.93 Billion | +1.37pp |
| 2011-12-31 | 45.11% | $6.11 Billion | $13.54 Billion | -1.18pp |
| 2010-12-31 | 46.29% | $5.74 Billion | $12.40 Billion | +3.39pp |
| 2009-12-31 | 42.90% | $5.00 Billion | $11.66 Billion | +37.66pp |
| 2008-12-31 | 5.24% | $575.31 Million | $10.98 Billion | -31.74pp |
| 2007-12-31 | 36.98% | $3.46 Billion | $9.34 Billion | -0.40pp |
| 2006-12-31 | 37.38% | $3.33 Billion | $8.92 Billion | -4.17pp |
| 2005-12-31 | 41.56% | $3.43 Billion | $8.25 Billion | -4.43pp |
| 2004-12-31 | 45.98% | $3.59 Billion | $7.81 Billion | +1.90pp |
| 2003-12-31 | 44.08% | $3.42 Billion | $7.75 Billion | -2.21pp |
| 2002-12-31 | 46.29% | $3.72 Billion | $8.04 Billion | +44.90pp |
| 2001-12-31 | 1.40% | $121.84 Million | $8.73 Billion | -0.65pp |
| 2000-12-31 | 2.05% | $161.08 Million | $7.87 Billion | -34.64pp |
| 1996-12-31 | 36.68% | $2.39 Billion | $6.51 Billion | -- |
About UMB Financial Corporation
UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan sy… Read more