S&P & Fitch Credit Ratings

S&P Fitch Ratings
  Long-term Issuer A- (ON)
8/11/2017
A (ON)
9/8/2020
Ratings History
A- (ON)
8/11/2017
A (ON)
9/8/2020
A- (OS)
12/14/2006
A (WN)
5/6/2020
A- (ON)
11/9/2004
A (ON)
5/20/2019
A-
12/18/1995
A (ON)
2/4/2019
  Short-term/Commercial Paper A-2
7/11/2012
F1
9/8/2020
Ratings History
A-2
7/11/2012
F1
9/8/2020
-
F1
5/6/2020
-
F1
5/20/2019
-
F1
2/4/2019
  Bank Individual -
a (WR)
9/8/2020
Ratings History
-
a (WR)
9/8/2020
-
a (WN)
5/6/2020
-
a
5/20/2019
-
a
2/4/2019
  Bank Support -
5
9/8/2020
Ratings History
-
a (WR)
9/8/2020
-
a (WN)
5/6/2020
-
a
5/20/2019
-
a
2/4/2019
S&P Fitch Ratings
  UMB Bank, National Association
Ratings History
-
5
9/8/2020
-
5
5/6/2020
-
5
5/20/2019
-
5
2/4/2019
Long-term Issuer A (ON)
8/11/2017
A (ON)
9/8/2020
Certificate of Deposit -
A+ (WN)
5/6/2020
Bank Individual -
a (WR)
9/8/2020
Bank Support -
5
9/8/2020

Ratings Watch Action Legend: (WP) Watch Positive, (WN) Watch Negative, (WU) Watch Uncertain, (WR) Watch Removed, (OP) Outlook Positive, (ON) Outlook Negative, (OS) Outlook Stable, (OD) Outlook Developing
Long-Term Ratings   
  • Highest Credit Quality
    AAA AAA(EXP) AAApre
  • Very High Credit Quality
    AA+ AA+(EXP) AA AA(EXP) AA- AA-(EXP)
  • High Credit Quality
    A+ A+(EXP) A A(EXP) A- A-(EXP)
  • Good Credit Quality
    BBB+ BBB+(EXP) BBB BBB(EXP) BBB- BBB-(EXP)
  • Speculative
    BB+ BB+(EXP) BB BB(EXP) BB- BB-(EXP)
  • Highly Speculative
    B+ B+(EXP) B B(EXP) B- B-(EXP)
  • High Default Risk
    CCC+ CCC+(EXP) CCC CCC(EXP) CCC- CCC-(EXP) CC CC(EXP) C
  • Default
    DDD DD D
  • Extremely Strong
    AAA AAApi AAAt
  • Very Strong
    AA+ AA+pi AA+t AApi Aat AA AA- AA-pi AA-t
  • Strong
    A+ A+pi A+t Api At A A- A-pi A-t
  • Adequate
    BBB+ BBB+pi BBB+t BBB BBBpi BBBt BBB- BBB-pi BBB-t
  • Less Vulnerable
    BB+ BB+pi BB+t BB BBpi BBt BB- BB-pi BB-t
  • More Vulnerable
    B+ B+pi B+t B Bpi Bt B- B-pi B-t
  • Currently Vulnerable
    CCC+ CCC+pi CCC+t CCCpi CCCt CCC CCC- CCC-pi CCC-t
  • Highly Vulnerable
    CCpi CCt CC C+ C+pi C+t C Cpi Ct
  • Selective Default
    SD SDpi SDt
  • Default
    D+ D+pi D+t Dpi Dt D
  • Regulatory Supervision
    R Rpi Rt
Short-Term Ratings   
  • Exceptionally High Quality
    F1+ F1+(EXP)
  • High Quality
    F1 F1(EXP)
  • Good Quality
    F2 F2(EXP)
  • Fair Quality
    F3 F3(EXP)
  • Speculative
    B B(EXP)
  • High Default Risk
    C C(EXP)
  • Default
    D D(EXP)
  • Extremely Strong
    A-1+
  • Strong
    A-1
  • Satisfactory
    A-2
  • Adequate
    A-3
  • More Vulnerable
    B B-1 B-2 B-3
  • Highly Vulnerable
    C
  • Selective Default
    SD
  • Default
    D
  • Regulatory Supervision
    R
Financial Strength Ratings   
  • Exceptionally Strong
    AAA AAAq
  • Very Strong
    AA+ AA+q AAq AA AA- AA-q
  • Strong
    A+ A+q Aq A A- A-q
  • Good
    BBB+ BBB+q BBBq BBB BBB- BBB-q
  • Moderately Weak
    BB+ BB+q BB BBq BB- BB-q
  • Weak
    B+ B+q B Bq B- B-q
  • Very Weak
    CCC+ CCC+q CCCq CCC CCC- CCC-q CCq CC Cq C
  • Distressed
    DDD DDDq DDq DD Dq D
  • Extremely Strong
    AAA AAApi
  • Very Strong
    AA+ AA+pi AApi AA AA- AA-pi
  • Strong
    A+ A+pi Api A A- A-pi
  • Good
    BBB+ BBB+pi BBBpi BBB BBB- BBB-pi
  • Marginal
    BB+ BB+pi BB BBpi BB- BB-pi
  • Weak
    B+ B+pi B Bpi B- B-pi
  • Very Weak
    CCC+ CCC+pi CCCpi CCC CCC- CCC-pi
  • Extremely Weak
    CCpi CC
  • Regulatory Action
    R

Issuer ratings are S&P and Fitch respectively. A security rating is not a recommendation to buy, sell or hold securities and should be evaluated independently of any other rating. The rating is subject to revision or withdrawal at any time by the assigning rating organization.
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