This institution is no longer active

Operations ceased on July 31, 1999. CRA examination history below reflects the period it was active.

UMB BANK, NORTHWEST

ST. JOSEPH, MO · Supervised by FDIC

Est. 1889FDIC #12,458RSSD: FDIC-12458

Part ofUMB FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: March 1999

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.12%

Institution Profile

FDIC BankFind

Address

10th And Penn Streets, ST. JOSEPH, MO

County

Buchanan County

Established

November 11, 1889

Total Assets

$152M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 1999

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 1999Call Report / FDIC

Total Assets

$152M

Total Deposits

$133M

Net Loans

$53M

Net Income

$890K

ROA

1.12%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.72%

Risk-Based Capital

19.01%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.12%Peer avg: 0.44%▲ Above avg

Risk-Based Capital19.01%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 1999	Satisfactory	Large Bank
May 1996	Satisfactory	Small Bank
Jan 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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