We’re here for you in Texas

Our personal service, paired with our strong underwriting capabilities, market insight and consistent capital backing uniquely positions the Capital Markets Division to serve institutions across Texas.

Insights and Trends

*Additional corporate fixed income trading services are offered through UMB Financial Services, Inc.

UMB Bank, n.a. Capital Markets Division is a separately identifiable division of UMB Bank, n.a. UMB Bank, n.a. is an affiliate within UMB Financial Corporation. UMB Financial Services, Inc., Member FINRA, SIPC, is a wholly owned subsidiary of UMB Financial Corporation and an affiliate of UMB Bank, n.a.

Products, Services and Securities offered through the UMB Bank, n.a. Capital Markets Division and UMB Financial Services, Inc. are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

• Interest Rate Risk Management (IRR)
  Earnings at risk and economic value of equity reporting structured around your chart of accounts that captures your unique IRR profile.
• Compliance & Risk Management Support
  Current Expected Credit Loss (CECL) calculations, Regulation F, and IRR & CECL model validation. 
• Capital Planning & Management
  Community Bank Leverage Ratio (CBLR), BASEL calculations and dividend modeling. 
• Contingency Funding & Liquidity Risk
  Liquidity stress testing and contingency funding scenario analyses.

Our Services

Risk Reporting and Regulatory Consulting

Investment Portfolio and Profitability Management

• Fixed Income Investment Portfolio Management
  Advisory bond sales and trading, accounting, custody and safekeeping services. 
• Liquidity Management
  Brokered CDs, wholesale funding utilization, excess fund investment and borrowing capacity. 
• Annual Budgeting & Monthly Forecasting
  Enterprise, branch and bank holding company reporting.
  
  

Extensive experience

Our team has experience in every aspect of asset liability and performance consulting. The depth and breadth of our experience provides your institution with critical insights and solutions across market cycles.

Commitment to the market

For over 90 years, our clients have relied on us to be a trusted partner. We get to know your organization, so we can partner with you every step of the way.

Flexible solutions

Your balance sheet management and consulting service needs aren’t one-size-fits all. That's why we build customized solutions for your business. Our flexible approach means your financial firm gets the services needed to help maximize profitability.