• UMB Financial average return on tangible equity for 2023 was 15.25, a 1.55% decline from 2022.
• UMB Financial average return on tangible equity for 2022 was 15.49, a 10.33% decline from 2021.
• UMB Financial average return on tangible equity for 2021 was 14.04, a 64.4% increase from 2020.

Return on tangible equity can be defined as the amount of net income returned as a percentage of shareholders equity, after subtracting intangible assets, goodwill and preferred equity.