REGULATORY REQUIREMENTS (Tables)

12 Months Ended

Dec. 31, 2020

Regulatory Capital Requirements [Abstract]

Actual Capital Amounts as well as Required and Well-Capitalized Common Equity Tier One, Tier One, Total and Tier One Leverage Ratios

Actual capital amounts as well as required and well-capitalized common equity tier 1, tier 1, total and tier 1 leverage ratios as of December 31, 2020 and 2019 for the Company and the Bank are as follows (in thousands):

	2020
	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
Common Equity Tier 1 Capital:
UMB Financial Corporation	$	2,547,634		12.10	%	$	947,486		4.50	%	$	N/A		N/A	%
UMB Bank, n. a.		2,492,571		11.92			941,036		4.50			1,359,275		6.50
Tier 1 Capital:
UMB Financial Corporation		2,547,634		12.10			1,263,315		6.00		N/A		N/A
UMB Bank, n. a.		2,492,571		11.92			1,254,715		6.00			1,672,954		8.00
Total Capital:
UMB Financial Corporation		3,002,545		14.26			1,684,420		8.00		N/A		N/A
UMB Bank, n. a.		2,679,844		12.81			1,672,954		8.00			2,091,192		10.00
Tier 1 Leverage:
UMB Financial Corporation		2,547,634		8.37			1,217,386		4.00		N/A		N/A
UMB Bank, n. a.		2,492,571		8.28			1,203,559		4.00			1,504,449		5.00
	2019
Common Equity Tier 1 Capital:
UMB Financial Corporation	$	2,330,533		12.33	%	$	850,304		4.50	%	$	N/A		N/A	%
UMB Bank, n. a.		2,128,608		11.36			843,544		4.50			1,218,453		6.50
Tier 1 Capital:
UMB Financial Corporation		2,330,533		12.33			1,133,738		6.00		N/A		N/A
UMB Bank, n. a.		2,128,608		11.36			1,124,726		6.00			1,499,635		8.00
Total Capital:
UMB Financial Corporation		2,505,397		13.26			1,511,651		8.00		N/A		N/A
UMB Bank, n. a.		2,233,100		11.91			1,499,635		8.00			1,874,543		10.00
Tier 1 Leverage:
UMB Financial Corporation		2,330,533		9.37			995,000		4.00		N/A		N/A
UMB Bank, n. a.		2,128,608		8.62			987,983		4.00			1,234,978		5.00