UMB Financial Corporation - Asset Resilience Ratio
UMB Financial Corporation (UMBF) has an Asset Resilience Ratio of 11.70% as of September 2025. 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. Read UMBF total debt and obligations for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1996–2024)
This chart shows how UMB Financial Corporation's Asset Resilience Ratio has changed over time. See UMBF net assets for net asset value and shareholders' equity analysis.
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 market capitalisation and broader financial context, see how much is UMB Financial Corporation worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $8.41 Billion | 11.7% |
| Total Liquid Assets | $8.41 Billion | 11.70% |
Asset Resilience Insights
- Moderate Liquidity: UMB Financial Corporation has 11.70% 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 |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for UMB Financial Corporation (1996–2024)
The table below shows the annual Asset Resilience Ratio data for UMB Financial Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 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 the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, mezzanine debt… Read more