The Risks of Failing UMBA

UMB financial is a very diversified sub-scale kind of bank but one concern with UMBA which I point out with a lot of these banks probably grown its assets faster than it's like return on equity is. If you want to look for banks that are not likely to fail I would say the safest thing would be if they could buy back their own stock instead of paying big dividends and stuff. Bank of hoys doesn't have that issue their growth has been very low and the return equity is very high so yeah for people there can be a run on a bank regulators can shut things down whatever.