FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Capital Markets Division

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  

Capital Markets Division

We deliver a full range of innovative capital solutions with a service-first approach.

SVG

Strength and stability of capital

UMB Financial Corporation consistently maintains strong liquidity with a common equity tier 1 ratio above the regulatory threshold, which provides the financial strength and stability needed to navigate capital markets.

SVG

Comprehensive solutions and infrastructure

Our talented team will work to develop a unique financing solution that meets your specific needs, leveraging our extremely broad and diverse investor base which includes one of the largest bank and non-bank institutional networks in the country.

SVG

Extensive experience

Our highly tenured team, paired with our single point of contact client-service model, provides clients with direct access to UMB professionals who are ready to help navigate the complex arenas of capital markets.

Image

CMD Customer Portal

How UMB serves you and your institution

Our personal service, paired with our strong underwriting capabilities, market insight and consistent capital backing uniquely positions us to serve financial institutions, municipalities, corporations, public and not-for-profit organizations across the U.S.

Connect with a UMB Bank Capital Markets team member for a full consultation.

Connect with us
UMB-IMG-Fixed-Income

Discover asset liability management and performance consulting

We offer a comprehensive suite of institutional solutions, from market data and robust technology platforms, while helping identify and mitigate risk, and maximizing profitability.*

UMB-IMG-Public-Finance

Explore public finance solutions

We offer multiple financing structures that allow issuers to efficiently access the marketplace in a responsible, creditworthy and cost-effective manner to meet their capital needs.

UMB-IMG-Municipal-Advisors

Leverage our municipal advisors

UMB Financial Services, Inc., an affiliate of UMB Bank, helps communities, school districts, special districts and higher education institutions finance needed capital projects, achieve growth aspirations, and realize long-term goals.

  • Trade strategy review

    Trade strategy review: Adjusting to meet 2026 market instability

    Institutional investors and asset managers may need to update their 2026 plans to match the tremendous shifts seen so far on the global stage and in domestic markets. While it seems the U.S. economy is still advancing and forecasters are...

    Read Now
  • CECL

    Enhancing current expected credit losses (CECL) modeling and validation

    Nearly a decade ago, the Financial Accounting Standards Board (FASB) issued the CECL standard, ASC Topic 326 ‡. This standard requires all financial institutions, regardless of size, to measure expected credit losses for loans and other financial assets based on...

    Read Now
  • property tax reform

    Property tax reform provisions in Missouri Senate Bill 3

    Written as of September 25, 2025. In our conversations with municipal leaders and finance officials, SB3 comes up often. Here’s an overview and some specific points of consideration for municipalities in what amounts to a wait-and-see moment in time. In...

    Read Now
  • OBBBA earnings test higher education

    The OBBBA earnings test for higher education: Questions university finance leaders are grappling with

    Do you know, at the program level, how many of your students rely on federal Direct Loans versus self-funding? If a specific degree program at your institution lost its students’ eligibility for those loans, do you know how that would...

    Read Now
  • bond issuance anatomy

    Anatomy of a municipal bond issuance

    A municipal bond is a form of debt issued by state or local governments to raise funds for projects that benefit the public, such as schools, roads and bridges, community facilities, utilities and essential services. There are two primary types...

    Read Now

Connect with a UMB Bank Capital Markets team member for a full consultation

CMD Client Portal

Click here to access CMD client portal user guide.

 

Retail Customers – Regulation Best Interest

If you have a retail relationship with UMB Bank, n.a. Capital Markets Division, below are key disclosures associated with your account:

 

*Fixed income trading services offered through UMB Bank, n.a. Capital Markets Division and 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 FINRAleaving website icon, SIPCleaving website icon, 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