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Fitch, Moody's and S&P Credit Ratings
Fitch Ratings Moody's Investors Service Standard & Poor's
  Long-term Issuer
Date of last rating affirmation or change:		 A (ON)
04/24/23		 Baa1 (OS)
04/21/23		 BBB+ (OS)
08/22/23
Ratings History
S&P
A- (ON)
07/21/23		 Fitch Ratings
A (ON)
10/08/2020
A- (ON)
8/11/2017		 A (WN)
5/6/2020
A- (OS)
12/14/2006		 A (ON)
5/20/2019
A- (ON)
11/9/2004		 A (ON)
5/20/2019
A-
12/18/1995		 A (ON)
2/4/2019
  Short-term/Commercial Paper F1
04/24/23		 - A-2
07/19/22
Ratings History
S&P
A-2
7/11/2012		 Fitch Ratings
F1
10/08/2020
-
 F1
5/6/2020
-
 F1
5/20/2019
-
 F1
2/4/2019
  Bank Individual a
04/24/23		 -
 -
Ratings History
-
 a (WR)
10/08/2020
-
 a (WN)
5/6/2020
-
 a
5/20/2019
-
 a
2/4/2019
  Bank Support 5
04/24/23		 -
 -
Ratings History
-
 a (WR)
10/08/2020
-
 a (WN)
5/6/2020
-
 a
5/20/2019
-
 a
2/4/2019
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
Fitch Ratings Moody's Investors Service Standard & Poor's
  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
Date of last rating affirmation or change:		 A (ON)
04/24/23		 Baa1 (OS)
04/21/23		 A- (OS)
08/22/23
Certificate of Deposit A+ (ON)
04/24/23		 A1 / P-1 (OS)
04/21/23		 -
Bank Individual a (ON)
04/24/23		 a3 (OS)
04/21/23		 -
Bank Support 5 (ON)
04/24/23		 -
 -
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
  • Very High Credit Quality
    AA
  • High Credit Quality
    A
  • Good Credit Quality
    BBB
  • Speculative
    BB
  • Highly Speculative
    B
  • Substantial Credit Risk
    CCC
  • Very High Risk
    CC
  • Near Default
    C
  • Restricted Default
    RD
  • Default
    D
  • Highest Quality; Lowest Credit Risk
    Aaa
  • High Quality; Very Low Credit Risk
    Aa
  • Upper-Medium Grade; Low Credit Risk
    A
  • Medium Grade; Moderate Credit Risk
    Baa
  • Speculative; Substantial Credit Risk
    Ba
  • Speculative; High Credit Risk
    B
  • Speculative, Poor Standing; Very High Credit Risk
    Caa
  • Highly Speculative, In or Near Default
    Ca
  • Default; Little Prospect of Recovery
    C
  • Extremely Strong
    AAA
  • Very Strong
    AA
  • Strong
    A
  • Adequate
    BBB
  • Speculative Ratings:
    Less Vulnerable

    BB
  • More Vulnerable
    B
  • Currently Vulnerable
    CCC
  • Highly Vulnerable
    CC
  • Selective Default; Lower Seniority
    C
  • Default
    D
Short-Term Ratings   
  • Exceptionally High Quality
    F1+
  • High Quality
    F1
  • Good Quality
    F2
  • Fair Quality
    F3
  • Speculative
    B
  • High Default Risk
    C
  • Default
    D
  • Superior
    P-1
  • Strong
    P-2
  • Acceptable
    P-3
  • Not Prime
    NP
  • Strong
    A-1
  • Satisfactory
    A-2
  • Adequate
    A-3
  • More Vulnerable
    B
  • Highly Vulnerable
    C
  • Default
    D
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
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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