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Fitch, Moody's and S&P Credit Ratings
Ratings Details
Ratings Details
Subsidiaries
Ratings Scale
Ratings Details
Subsidiaries
Ratings Scale
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
Fitch 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
Moody's Investors Service Ratings
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
Standard & Poor's Ratings
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
Fitch Ratings
Exceptionally High Quality
F1+
High Quality
F1
Good Quality
F2
Fair Quality
F3
Speculative
B
High Default Risk
C
Default
D
Moody's Investors Service Ratings
Superior
P-1
Strong
P-2
Acceptable
P-3
Not Prime
NP
Standard & Poor's Ratings
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.
The information that is on or available through the Investor Relations section of this site is for informational purposes only and speaks only as of the particular date or dates of that information. We do not guarantee the accuracy or completeness of information on or available through the Investor Relations section of this site, and we are not responsible for inaccuracies or omissions in that information or for actions taken in reliance on that information. UMB Financial Corporation does not undertake an obligation, and disclaims any duty, to update any of the information on or available through this site.
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