8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): 07/28/2026

UMB FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Commission File Number: 001-38481


Missouri		43-0903811
(State or other jurisdiction of		(IRS Employer
incorporation)		Identification No.)

1010 Grand Blvd., Kansas City, MO 64106

(Address of principal executive offices, including zip code)

(816) 860-7000

(Registrant’s telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13c-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities Registered Pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $1.00 Par Value	UMBF	The NASDAQ Global Select Market
Depositary Shares, each representing a 1/400th interest in a share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B	UMBFO	The NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

On July 28, 2026, UMB Financial Corporation (the “Company”) issued a press release announcing the financial results for the Company for the quarter and period ended June 30, 2026. A copy of the press release is attached as Exhibit 99.1 and the information is hereby incorporated by reference herein. The Company does not incorporate by reference information presented at any website referenced in the press release.

The Company is furnishing a copy of materials that will be used in the Company's shareholder conference call at 8:30 a.m. (CT) on July 29, 2026. A copy of the materials is attached as Exhibit 99.2 and will be available on the Company's website at www.umb.com. The materials are dated July 28, 2026, and the Company disclaims any obligation to correct or update any of the materials in the future.

The information contained in Item 2.02 of this Current Report on Form 8-K, including Exhibits 99.1 and 99.2 hereto, is being furnished and shall not be deemed to be “filed” with the Securities and Exchange Commission (“SEC”) for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section and is not incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing.

Item 8.01 Other Events

On July 28, 2026, the Company issued a press release announcing the Board of Directors of the Company had declared a quarterly dividend of $0.50 per share that is payable on October 1, 2026 to stockholders of record of the Company's common stock as of the close of business on September 10, 2026. The Board of Directors of the Company also declared a dividend of $193.75 per share of the Company's Series B 7.750% preferred stock, which results in a dividend of $0.484375 per depositary share. The preferred stock dividend is payable on October 15, 2026, to stockholders of record of the Company's preferred stock as of the close on business on September 30, 2026.

Item 9.01 Financial Statements and Exhibits


99.1	Press Release announcing financial results for the quarter ended June 30, 2026.
99.2	Investor Presentation Materials, dated July 28, 2026.
99.3	Press Release announcing dividend declaration.
104	The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


UMB FINANCIAL CORPORATION
By:	/s/ Ram Shankar
	Ram Shankar Chief Financial Officer

Date: July 28, 2026

Exhibit 99.1

UMB Financial Corporation News Release

1010 Grand Boulevard

Kansas City, MO 64106

816.860.7000

umb.com

//FOR IMMEDIATE RELEASE//

Media Contact: Stephanie Hollander: 816.729.1027

Investor Relations Contact: Kay Gregory: 816.860.7106

UMB Financial Corporation Reports Second Quarter 2026 Results

Second Quarter 2026 Financial Highlights

•

GAAP net income available to common shareholders of $271.8 million, or $3.56 per diluted common share, an increase of 26.2% as compared to the second quarter of 2025.

•

Net operating income available to common shareholders(i) of $273.0 million, or $3.57 per diluted common share, an increase of 21.1% as compared to the second quarter of 2025.

•

Second quarter revenue totaled $778.0 million, a 12.9% increase as compared to the second quarter of 2025, and an increase of 5.3% from the first quarter of 2026.

•

Net interest income of $532.5 million, an increase of 14.0% as compared to the second quarter of 2025.

•

Net interest margin on a fully taxable equivalent basis of 3.32%, up 22 basis points from the second quarter of 2025.

•

Noninterest income increased 10.5% to $245.5 million compared to the second quarter of 2025, and increased 19.9% from the first quarter of 2026.

•

Second quarter 2026 return on average assets of 1.55% and return on average common equity of 14.16%.

•

GAAP efficiency ratio improved to 48.4% as compared to 53.4% in the second quarter of 2025.

•

Average loans increased 12.6% on a linked-quarter, annualized basis to $40.6 billion; average loans increased $4.2 billion, or 11.6%, as compared to the second quarter of 2025. End-of-period loans were $41.1 billion at June 30, 2026.

•

Net charge-offs for the second quarter of 2026 totaled $15.9 million, equal to 16 basis points of average loans; nonperforming loans improved to 31 basis points of total loans, from 38 basis points at March 31, 2026.

(i) A non-GAAP financial measure reconciled later in this release to the nearest comparable GAAP measure.

KANSAS CITY, Mo. (July 28, 2026) – UMB Financial Corporation (Nasdaq: UMBF), a financial services company, announced net income available to common shareholders for the second quarter of 2026 of $271.8 million, or $3.56 per diluted share, compared to $255.6 million, or $3.35 per diluted share, in the first quarter of 2026 (linked quarter) and $215.4 million, or $2.82 per diluted share, in the second quarter of 2025.

Net operating income available to common shareholders, a non-GAAP financial measure reconciled later in this release to net income available to common shareholders, the nearest comparable GAAP measure, was $273.0 million, or $3.57 per diluted share, for the second quarter of 2026, compared to $259.8 million, or $3.41 per diluted share, for the linked quarter and $225.4 million, or $2.96 per diluted share,

for the second quarter of 2025. Operating pre-tax, pre-provision income (operating PTPP), a non-GAAP measure reconciled later in this release to the components of net income before taxes, the nearest comparable GAAP measure, was $380.1 million, or $4.97 per diluted share, for the second quarter of 2026, compared to $363.8 million, or $4.76 per diluted share, for the linked quarter, and $309.2 million, or $4.06 per diluted share, for the second quarter of 2025. These operating PTPP results represent a 4.5% increase on a linked-quarter basis and a 22.9% increase compared to the second quarter of 2025.

“Our strong second quarter financial results were once again driven by solid loan growth, exceptional asset quality, and continued strength in our fee income-generating businesses including monetization of investments held in our private investment division,” said Mariner Kemper, UMB Financial Corporation chairman and chief executive officer.

“Loan growth averaged 12.6% on a linked-quarter annualized basis, driven in large part by continued strength in our commercial and industrial (C&I) lending segments. Average loans exceeded $40 billion for the first time in our history, ending the quarter at $41.1 billion. During the quarter, we also reached a new record for total gross loan production of $2.6 billion, compared to $2.3 billion in the prior quarter. Average C&I loan balances increased 21.6% on a linked-quarter annualized basis to $17.5 billion. At the same time, our net charge-offs averaged a modest 16 basis points of loans, compared to 19 basis points in the prior quarter, while nonperforming loans declined 15.7% from March 31, 2026, to $127.5 million, or 31 basis points of total loans.”

“As we often say, and consistently demonstrate, within the banking industry, UMB operates at the unique intersection of strong organic loan growth with exceptional asset quality. Excluding the impacts of $35.9 million and $51.0 million in purchase accounting accretion benefits in the second and first quarters of 2026, respectively, our core net interest margin increased four basis points sequentially while net interest income increased 2.7%. Fee income in the second quarter increased 19.9% compared to the prior quarter to $245.5 million. This was led by gains on equity positions held in our private investment portfolio, strong fee generation from our fund services, corporate trust and custody businesses, higher 12b-1 fees from growth in off-balance sheet deposit balances, customer swap fees, and card interchange income. Our private investment activity continued to deliver in the second quarter with $27.1 million in net gains from our holdings, primarily Beacon Communications, LLC and fund investment gains related to the public offering of Space Exploration Technologies (SpaceX).”

Mr. Kemper continued, “Finally, we are excited to announce that the board of directors has declared a dividend of $0.50 per common share to be paid on October 1, 2026, which represents a 16.3% increase from prior levels. This increase reflects our continued strong financial performance and our commitment to return value to our shareholders.”

Second quarter 2026 earnings discussion

Note: The acquisition of Heartland Financial USA, Inc. (HTLF) closed on January 31, 2025; as such, financial results for the fiscal periods since that date include the impact from the acquired operations. Financial results for the first quarter and year-to-date 2025 include only two and five months, respectively, of impact of the acquired operations of HTLF.


Summary of quarterly financial results	UMB Financial Corporation
(unaudited, dollars in thousands, except per common share data)
	Q2			Q1			Q2
	2026			2026			2025
Net income (GAAP)	$	277,570		$	261,438		$	217,394
Net income available to common shareholders (GAAP)		271,758			255,625			215,382
Earnings per common share - diluted (GAAP)		3.56			3.35			2.82

Operating pre-tax, pre-provision income (Non-GAAP)(i)		380,071			363,781			309,182
Operating pre-tax, pre-provision earnings per common share - diluted (Non-GAAP)(i)		4.97			4.76			4.06

Operating pre-tax, pre-provision income - FTE (Non-GAAP)(i)		388,903			372,494			317,473
Operating pre-tax, pre-provision earnings per common share - FTE - diluted (Non-GAAP)(i)		5.09			4.88			4.17

Net operating income available to common shareholders (Non-GAAP)(i)		273,030			259,809			225,379
Operating earnings per common share - diluted (Non-GAAP)(i)		3.57			3.41			2.96

GAAP
Return on average assets		1.55	%		1.47	%		1.29	%
Return on average common equity		14.16			13.70			12.72
Efficiency ratio		48.35			48.38			53.38

Non-GAAP(i)
Operating return on average assets		1.56	%		1.50	%		1.35	%
Operating return on average common equity		14.22			13.93			13.31
Operating efficiency ratio		48.14			47.64			51.48

(i) See reconciliation of Non-GAAP measures to their nearest comparable GAAP measures later in this release.


Summary of year-to-date financial results	UMB Financial Corporation
(unaudited, dollars in thousands, except per share data)	June			June
	YTD			YTD
	2026			2025
Net income (GAAP)	$	539,008		$	298,727
Net income available to common shareholders (GAAP)		527,383			294,702
Earnings per common share - diluted (GAAP)		6.90			4.16

Operating pre-tax, pre-provision income (Non-GAAP)(i)		743,852			542,475
Operating pre-tax, pre-provision earnings per common share - diluted (Non-GAAP)(i)		9.74			7.65

Operating pre-tax, pre-provision income - FTE (Non-GAAP)(i)		761,397			558,271
Operating pre-tax, pre-provision earnings per common share - FTE - diluted (Non-GAAP)(i)		9.97			7.87

Net operating income available to common shareholders (Non-GAAP)(i)		532,839			394,257
Operating earnings per common share - diluted (Non-GAAP)(i)		6.98			5.56

GAAP
Return on average assets		1.51	%		0.94	%
Return on average common equity		13.93			9.67
Efficiency ratio		48.37			58.69

Non-GAAP(i)
Operating return on average assets		1.53	%		1.25	%
Operating return on average common equity		14.08			12.94
Operating efficiency ratio		47.89			53.31


Summary of revenue	UMB Financial Corporation
(unaudited, dollars in thousands)
	Q2			Q1			Q2			CQ vs.			CQ vs.
	2026			2026			2025			LQ			PY
Net interest income	$	532,525		$	534,366		$	467,024		$	(1,841	)	$	65,501
Noninterest income:
Trust and securities processing		98,295			94,667			83,263			3,628			15,032
Trading and investment banking		5,314			7,740			6,170			(2,426	)		(856	)
Service charges on deposit accounts		29,588			29,474			28,865			114			723
Insurance fees and commissions		207			255			189			(48	)		18
Brokerage fees		25,400			21,089			20,525			4,311			4,875
Bankcard fees		29,954			28,878			29,018			1,076			936
Investment securities gains, net		27,087			3,046			37,685			24,041			(10,598	)
Other		29,660			19,644			16,470			10,016			13,190
Total noninterest income	$	245,505		$	204,793		$	222,185		$	40,712		$	23,320
Total revenue	$	778,030		$	739,159		$	689,209		$	38,871		$	88,821
Net interest income (FTE)	$	541,357		$	543,079		$	475,315
Net interest margin (FTE)		3.32	%		3.38	%		3.10	%
Total noninterest income as a % of total revenue		31.6			27.7			32.2

Net interest income

•

Second quarter 2026 net interest income totaled $532.5 million, a decrease of $1.8 million, or 0.3%, from the linked quarter, driven primarily by declines in purchase accounting accretion

benefits and interest income on lower federal funds and interest-bearing due from banks balances, alongside an increase in interest expense due to the mix shift in the funding composition within deposit categories. These changes were partially offset by continued organic growth in loans, increased loan fees, benefit from an additional day in the quarter, and favorable rate and mix shifts in earning assets.

•

Average earning assets increased $173.8 million, or 0.3%, from the linked quarter, largely driven by an increase of $1.2 billion in average loans, partially offset by decreases of $506.0 million in average federal funds and resell agreements and $480.6 million in average interest-bearing due from banks.

•

Average interest-bearing liabilities increased $293.6 million, or 0.6%, from the linked quarter, primarily driven by an increase of $401.7 million, or 0.9%, in interest-bearing deposits, partially offset by a decrease of $111.2 million, or 3.1%, in federal funds and repurchase agreements. Average total deposits were flat compared to the linked quarter.

•

Net interest margin for the second quarter was 3.32%, a decrease of six basis points from the linked quarter, due to lower purchase accounting accretion income that impacted the yields on loans, and a lower benefit from free funds, partially offset by a favorable mix shift in earning assets.

•

On a year-over-year basis, net interest income increased $65.5 million, or 14.0%, driven by favorable repricing of deposits in conjunction with lower short-term interest rates, and increases of $4.2 billion, or 11.6%, in average loans and $2.2 billion, or 12.6%, in average securities. These increases were partially offset by a decrease of $2.9 billion, or 44.3%, in average interest-bearing due from banks and $6.3 million in lower purchase accounting accretion income.

•

Average deposits increased 3.5% compared to the second quarter of 2025. Average interest-bearing deposits increased 3.9%, and noninterest-bearing demand deposit balances increased 2.1% compared to the second quarter of 2025. Average demand deposit balances comprised 25.5% of total deposits in the second quarter of 2026, compared to 26.2% in the linked quarter and 25.9% in the second quarter of 2025.

Noninterest income

•

Second quarter 2026 noninterest income increased $40.7 million, or 19.9%, on a linked-quarter basis, largely due to:

An increase of $24.0 million in investment securities gains primarily driven by a $17.9 million gain on the sale of a non-marketable security in the second quarter of 2026, coupled with increases of $9.1 million in valuation of the company's non-marketable securities. These increases were partially offset by a $3.0 million gain on the sale of a non-marketable security in the first quarter of 2026.

An increase of $11.2 million in company-owned life insurance income, recorded in other income. The increase in company-owned life insurance income was offset by a proportionate increase in deferred compensation as noted below.

An increase of $4.3 million in brokerage income due to higher 12b-1 fees and money market income.

Increases of $2.4 million in fund services income and $1.1 million in corporate trust income, both recorded in trust and securities processing.

The increases noted above were partially offset by a decrease of $2.4 million in trading and investment banking due to decreases in municipal and agency trading activity.

•

Compared to the prior year, noninterest income in the second quarter of 2026 increased $23.3 million, or 10.5%, primarily driven by:

An increase of $15.0 million in trust and securities processing driven by increases of $9.1 million in fund services income, $3.9 million in corporate trust income, and $2.0 million in trust income.

Increases of $8.8 million in company-owned life insurance income, $2.5 million in bank-owned life insurance income, and $1.0 million in derivative income, all recorded in other income. The increase in company-owned life insurance income was offset by a proportionate increase in deferred compensation as noted below.

An increase of $4.9 million in brokerage income due to higher 12b-1 fees and money market income.

The increases noted above were partially offset by a decrease of $10.6 million in investment securities gains primarily driven by the pre-tax gain of $29.4 million on the company's investment in Voyager Technologies, Inc., which completed its initial public offering in June 2025, and pre-tax gains of $8.2 million on the sale of two non-marketable securities, all recognized in the second quarter of 2025. This compares to a $17.9 million gain on the sale of a non-marketable security and increases of $9.1 million in valuation of the company's non-marketable securities in the second quarter of 2026.

Noninterest expense


Summary of noninterest expense	UMB Financial Corporation
(unaudited, dollars in thousands)
	Q2		Q1		Q2		CQ vs.			CQ vs.
	2026		2026		2025		LQ			PY
Salaries and employee benefits	$	227,162	$	219,681	$	213,551	$	7,481		$	13,611
Occupancy, net		19,277		19,075		18,571		202			706
Equipment		13,942		13,320		16,426		622			(2,484	)
Supplies and services		5,504		5,604		6,383		(100	)		(879	)
Marketing and business development		13,916		13,792		11,344		124			2,572
Processing fees		43,073		42,059		43,638		1,014			(565	)
Legal and consulting		14,415		9,087		18,468		5,328			(4,053	)
Bankcard		11,873		11,841		12,363		32			(490	)
Amortization of other intangible assets		23,460		23,460		25,268		—			(1,808	)
Regulatory fees		9,097		8,270		9,259		827			(162	)
Other		17,914		14,694		17,897		3,220			17
Total noninterest expense	$	399,633	$	380,883	$	393,168	$	18,750		$	6,465

•

GAAP noninterest expense for the second quarter of 2026 was $399.6 million, an increase of $18.8 million, or 4.9%, from the linked quarter and $6.5 million, or 1.6%, from the second quarter of 2025. Second quarter 2026 expenses included $1.7 million in total acquisition-related and other nonrecurring costs, compared to $4.4 million in the linked quarter and $13.5 million in the second quarter of 2025. Operating noninterest expense, a non-GAAP financial measure reconciled later in this release to noninterest expense, the nearest comparable GAAP measure, was $398.0 million for the second quarter of 2026, an increase of $22.6 million, or 6.0%, from the linked quarter and an increase of $17.9 million, or 4.7%, from the second quarter of 2025.

•

The linked-quarter increase in GAAP noninterest expense was driven by:

An increase of $7.5 million in salaries and employee benefits expense driven by an increase of $6.7 million in salary and bonus expense and a $0.8 million increase in employee benefits. The increase in salary and bonus expense was due to higher salary

expense related to annual merit increases beginning in the second quarter and increased bonus expense related to company performance. The increase in employee benefits was driven by a $12.6 million increase in deferred compensation expense, partially offset by a $12.5 million seasonal decrease in payroll taxes, insurance, and 401(k) expense. The increase in deferred compensation expense was offset by the increase in company-owned life insurance income noted above.

An increase of $5.3 million in legal and consulting expense due to the timing of multiple projects, including $1.7 million in non-recurring costs.

Increases of $4.1 million in operational losses and $1.0 million in processing fees expense due to increased software subscription costs.

•

The year-over-year increase in GAAP noninterest expense was driven by:

An increase of $13.6 million in salaries and employee benefits expense, driven by increases of $12.5 million in employee benefits expense and $1.1 million in salaries and bonus expense. The increase in employee benefits expense is due to increases of $9.9 million in deferred compensation expense and $2.6 million in payroll taxes, insurance, and 401(k) expense. The increase in deferred compensation expense was offset by the increase in company-owned life insurance income noted above. The increase in salaries and bonus expense is due to higher employee salaries as compared to the second quarter of 2025.

An increase of $2.6 million in marketing and business development expense, driven by the timing of multiple advertising campaigns and increased travel and entertainment expense.

These increases were partially offset by the following decreases:

▪

A decrease of $4.1 million in legal and consulting expense, which included $1.7 million in non-recurring transaction costs as compared to $7.5 million of non-recurring transaction costs in the second quarter of 2025.

▪

A decrease of $2.5 million in equipment expense driven by a decline in software costs.

▪

A decrease of $1.8 million in amortization of intangibles due to reduced amortization of the core deposit intangible recognized from the HTLF acquisition.

•

Second quarter 2026 noninterest expense included $1.7 million in total acquisition-related and other nonrecurring costs, compared to $4.4 million in the linked quarter and $13.5 million in the second quarter of 2025. During the second quarter of 2026, this expense was composed primarily of $1.7 million in legal and consulting expense. During the linked quarter, the $4.4 million in acquisition-related expense was composed primarily of $4.0 million in salaries and employee benefits. During the second quarter of 2025, acquisition-related expense was primarily composed of $7.5 million in legal and consulting expense, $4.3 million in salaries and employee benefits, and $1.1 million in supplies and services expense.

Income taxes

•

The company’s effective tax rate was 20.9% for the six months ended June 30, 2026, compared to 18.8% for the same period in 2025. The increase is mainly due to more favorable discrete tax items in 2025, including a benefit from remeasuring deferred tax assets after the HTLF acquisition increased the state marginal tax rate. Additionally, a smaller proportion of pre-tax income in 2026 was earned from tax-exempt municipal securities.

Balance sheet

•

Average total assets for the second quarter of 2026 were $70.4 billion compared to $70.4 billion for the linked quarter and $66.9 billion for the same period in 2025.


Summary of average loans and leases - QTD Average					UMB Financial Corporation
(unaudited, dollars in thousands)
	Q2		Q1		Q2		CQ vs.		CQ vs.
	2026		2026		2025		LQ		PY
Commercial and industrial (i)	$	17,521,531	$	16,627,000	$	14,293,892	$	894,531	$	3,227,639
Specialty lending		648,786		534,979		561,669		113,807		87,117
Commercial real estate		16,658,203		16,534,892		16,163,813		123,311		494,390
Consumer real estate		4,498,319		4,433,669		4,255,571		64,650		242,748
Consumer		251,958		247,090		295,118		4,868		(43,160	)
Credit cards		787,926		757,471		754,601		30,455		33,325
Leases and other		257,227		248,109		82,089		9,118		175,138
Total loans	$	40,623,950	$	39,383,210	$	36,406,753	$	1,240,740	$	4,217,197

(i) Commercial and industrial loans include all loans to Non-Depository Financial Institutions (NDFIs).

•

Average loans for the second quarter of 2026 increased $1.2 billion, or 3.2%, on a linked-quarter basis and $4.2 billion, or 11.6%, compared to the second quarter of 2025. These increases reflect continued organic momentum across all geographies.


Summary of average securities - QTD Average	UMB Financial Corporation
(unaudited, dollars in thousands)
	Q2		Q1		Q2		CQ vs.			CQ vs.
	2026		2026		2025		LQ			PY
Securities available for sale:
U.S. Treasury	$	2,229,300	$	2,264,390	$	1,806,041	$	(35,090	)	$	423,259
U.S. Agencies		49,391		54,459		85,969		(5,068	)		(36,578	)
Mortgage-backed		8,234,937		8,155,646		6,285,195		79,291			1,949,742
State and political subdivisions		2,361,604		2,446,129		2,403,741		(84,525	)		(42,137	)
Corporates		105,473		158,088		271,915		(52,615	)		(166,442	)
Collateralized loan obligations		560,322		534,566		553,844		25,756			6,478
Total securities available for sale	$	13,541,027	$	13,613,278	$	11,406,705	$	(72,251	)	$	2,134,322
Securities held to maturity:
U.S. Treasury	$	38,258	$	38,255	$	—	$	3		$	38,258
U.S. Agencies		—		—		49,643		—			(49,643	)
Mortgage-backed		2,427,794		2,482,131		2,439,844		(54,337	)		(12,050	)
State and political subdivisions		3,231,171		3,177,060		3,108,030		54,111			123,141
Total securities held to maturity	$	5,697,223	$	5,697,446	$	5,597,517	$	(223	)	$	99,706
Trading securities	$	26,734	$	17,354	$	16,693	$	9,380		$	10,041
Other securities		679,947		697,129		679,212		(17,182	)		735
Total securities	$	19,944,931	$	20,025,207	$	17,700,127	$	(80,276	)	$	2,244,804

•

Average total securities decreased 0.4% on a linked-quarter basis and increased 12.7% compared to the second quarter of 2025.


Summary of average deposits - QTD Average				UMB Financial Corporation
(unaudited, dollars in thousands)
	Q2			Q1			Q2			CQ vs.			CQ vs.
	2026			2026			2025			LQ			PY
Deposits:
Noninterest-bearing demand	$	14,712,647		$	15,103,339		$	14,403,211		$	(390,692	)	$	309,436
Interest-bearing demand and savings		39,660,632			38,996,451			37,958,601			664,181			1,702,031
Time deposits		3,211,834			3,474,321			3,287,556			(262,487	)		(75,722	)
Total deposits	$	57,585,113		$	57,574,111		$	55,649,368		$	11,002		$	1,935,745
Noninterest bearing deposits as % of total		25.5	%		26.2	%		25.9	%

•

Average deposits remained flat on a linked-quarter basis as seasonal declines in public funds and commercial demand deposit balances were offset by increases in other interest-bearing deposit balances within the commercial banking segment. Average deposits increased 3.5% compared to the second quarter of 2025.

Capital


Capital information	UMB Financial Corporation
(unaudited, dollars in thousands, except per share data)
	June 30, 2026			March 31, 2026			June 30, 2025
Total equity	$	8,030,793		$	7,826,997		$	7,285,765
Total common equity		7,748,351			7,538,743			6,885,023
Accumulated other comprehensive loss, net		(371,517	)		(331,350	)		(442,047	)
Book value per common share		102.02			99.22			90.68
Tangible book value per common share (Non-GAAP)(i)		72.03			68.94			59.80

Regulatory capital:
Common equity Tier 1 capital	$	5,951,062		$	5,685,870		$	4,974,093
Tier 1 capital		6,245,128			5,979,936			5,378,860
Total capital		7,172,347			6,892,054			6,438,598

Regulatory capital ratios:
Common equity Tier 1 capital ratio		11.45	%		11.16	%		10.39	%
Tier 1 risk-based capital ratio		12.02			11.74			11.24
Total risk-based capital ratio		13.80			13.53			13.46
Tier 1 leverage ratio		9.11			8.73			8.34

(i) See reconciliation of Non-GAAP measures to their nearest comparable GAAP measures later in this release.

•

In the second quarter of 2026, the company repurchased 38,158 common shares at a weighted average price of $132.10 for a total repurchase of $5.0 million.

•

At June 30, 2026, the regulatory capital ratios presented in the foregoing table exceeded all “well-capitalized” regulatory thresholds.

Asset Quality


Credit quality	UMB Financial Corporation
(unaudited, dollars in thousands)
	Q2			Q1			Q4			Q3			Q2
	2026			2026			2025			2025			2025
Net charge-offs - total loans	$	15,861		$	18,929		$	12,654		$	18,383		$	15,462
Net loan charge-offs as a % of total average loans		0.16	%		0.19	%		0.13	%		0.20	%		0.17	%
Loans over 90 days past due	$	13,715		$	14,924		$	18,403		$	6,131		$	6,813
Loans over 90 days past due as a % of total loans		0.03	%		0.04	%		0.05	%		0.02	%		0.02	%
Nonaccrual and restructured loans	$	127,526		$	151,250		$	144,666		$	131,965		$	97,029
Nonaccrual and restructured loans as a % of total loans		0.31	%		0.38	%		0.37	%		0.35	%		0.26	%
Provision for credit losses	$	28,000		$	27,000		$	25,000		$	22,500		$	21,000

•

Provision for credit losses for the second quarter of 2026 increased $1.0 million from the linked quarter and $7.0 million from the second quarter of 2025. The change in provision expense is driven by ongoing recalibrations of econometric loss models and general portfolio trends in the current periods as compared to the prior periods.

•

Net charge-offs for the second quarter totaled $15.9 million, or 0.16% of average loans, compared to $18.9 million, or 0.19% of average loans in the linked quarter, and $15.5 million, or 0.17% of average loans for the second quarter of 2025. Nonperforming loans declined 15.7% to $127.5 million and comprised 31 basis points of total loans, compared to 38 basis points at March 31, 2026.

Conference Call

The company will host a conference call to discuss its second quarter 2026 earnings results on Wednesday, July 29, 2026, at 8:30 a.m. (CT).

Interested parties may access the call by dialing (toll-free) 888-596-4144 or (international) 646-968-2525 and requesting to join the UMB Financial call with conference ID 8227474#. The live webcast may also be accessed by visiting investorrelations.umb.com or by using the following link:

UMB Financial 2Q 2026 Conference Call

A replay of the conference call may be heard through August 12, 2026, by calling (toll-free) 800-770-2030 or (international) 609-800-9909. The replay access code required for playback is 8227474. The call replay may also be accessed at investorrelations.umb.com.

Non-GAAP Financial Information

In this release, we provide information about net operating income available to common shareholders, operating earnings per share – diluted (operating EPS), operating return on average common equity (operating ROE), operating return on average assets (operating ROA), operating noninterest expense, operating efficiency ratio, operating pre-tax, pre-provision income (operating PTPP), operating pre-tax, pre-provision earnings per share – diluted (operating PTPP EPS), operating pre-tax, pre-provision income on a fully tax equivalent basis (operating PTPP-FTE), operating pre-tax, pre-provision FTE earnings per share – diluted (operating PTPP-FTE EPS), tangible common shareholders’ equity, and tangible book value per share, all of which are non-GAAP financial measures. This information supplements the results that are reported according to generally accepted accounting principles in the United States (GAAP) and should not be viewed in isolation from, or as a substitute for, GAAP results. The differences between the non-GAAP financial measures – net operating income available to common shareholders, operating EPS, operating ROE, operating ROA, operating noninterest expense, operating efficiency ratio, operating PTPP, operating PTPP EPS, operating PTPP-FTE, operating PTPP-FTE EPS, tangible common shareholders’ equity, and tangible book value per share – and the nearest comparable GAAP financial

measures are reconciled later in this release. The company believes that these non-GAAP financial measures and the reconciliations may be useful to investors because they adjust for acquisition- and severance-related items, and the FDIC special assessment that management does not believe reflect the company’s fundamental operating performance.

Net operating income available to common shareholders for the relevant period is defined as GAAP net income available to common shareholders, adjusted to reflect the impact of excluding expenses related to Day 1 acquisition provision expense, acquisitions, severance expense, the FDIC special assessment, and the cumulative tax impact of these adjustments.

Operating EPS (diluted) is calculated as earnings per share as reported, adjusted to reflect, on a per share basis, the impact of excluding the non-GAAP adjustments described above for the relevant period. Operating ROE is calculated as net operating income available to common shareholders, divided by the company’s average total common shareholders’ equity for the relevant period. Operating ROA is calculated as net operating income available to common shareholders, divided by the company’s average assets for the relevant period. Operating noninterest expense for the relevant period is defined as GAAP noninterest expense, adjusted to reflect the pre-tax impact of non-GAAP adjustments described above. Operating efficiency ratio is calculated as the company’s operating noninterest expense, net of amortization of other intangibles, divided by the company’s total non-GAAP revenue (calculated as net interest income plus noninterest income, less gains on sales of securities available for sale, net).

Operating PTPP income for the relevant period is defined as GAAP net interest income plus GAAP noninterest income, less noninterest expense, adjusted to reflect the impact of excluding expenses related to acquisitions and severance, and the FDIC special assessment.

Operating PTPP-FTE for the relevant period is defined as GAAP net interest income on a fully tax equivalent basis plus GAAP noninterest income, less noninterest expense, adjusted to reflect the impact of excluding expenses related to acquisitions and severance, and the FDIC special assessment.

Tangible common shareholders’ equity for the relevant period is defined as GAAP common shareholders’ equity, net of intangible assets. Tangible book value per share is defined as tangible common shareholders’ equity divided by the company’s total common shares outstanding.

Forward-Looking Statements:

This press release contains, and our other communications may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “believe,” “expect,” “anticipate,” “intend,” “estimate,” “project,” “outlook,” “forecast,” “target,” “trend,” “plan,” “goal,” or other words of comparable meaning or future-tense or conditional verbs such as “may,” “will,” “should,” “would,” or “could.” Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, results, or aspirations. All forward-looking statements are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Our actual future objectives, strategies, plans, prospects, performance, condition, or results may differ materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events, circumstances, or aspirations to differ from those in forward-looking statements are described in our Annual Report on Form 10-K for the year ended December 31, 2025, our subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K, or other applicable documents that are filed or furnished with the U.S. Securities and Exchange Commission (SEC). In addition to such factors that have been disclosed previously: macroeconomic and adverse developments and uncertainties related to the collateral effects of the collapse of, and challenges for, domestic and international banks, including the impacts to the U.S. and global economies; sustained levels of high inflation and the potential for an economic recession on the heels of aggressive quantitative tightening by the Federal Reserve; and impacts related to or resulting from instability in the Middle East and Russia’s military action in Ukraine, such as the

broader impacts to financial markets and the global macroeconomic and geopolitical environments, may also cause actual results or other future events, circumstances, or aspirations to differ from our forward-looking statements. Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except to the extent required by applicable securities laws. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that we may make in any subsequent Annual Report on Form 10-K, Quarterly Report on Form 10-Q, Current Report on Form 8-K, or other applicable document that is filed or furnished with the SEC.

About UMB:

UMB Financial Corporation (Nasdaq: UMBF) is a financial services company headquartered in Kansas City, Mo. UMB offers commercial banking, which includes comprehensive deposit, lending, investment and retirement plan services; personal banking, which includes comprehensive deposit, lending, wealth management and financial planning services; and institutional banking, which includes asset servicing, corporate trust solutions, investment banking and healthcare services. UMB operates branches throughout Missouri, Arizona, California, Colorado, Iowa, Kansas, Illinois, Minnesota, Nebraska, New Mexico, Oklahoma, Texas, Utah, and Wisconsin. As the company’s reach continues to grow, it also serves business clients nationwide and institutional clients in several countries. For more information, visit UMB.com, UMB Blog, UMB Facebook and UMB LinkedIn.


Consolidated Balance Sheets	UMB Financial Corporation
(unaudited, dollars in thousands)
	June 30,
	2026			2025
ASSETS
Loans	$	41,149,726		$	36,807,933
Allowance for credit losses on loans		(437,376	)		(389,918	)
Net loans		40,712,350			36,418,015
Loans held for sale		6,800			5,738
Securities:
Available for sale		13,488,159			12,162,688
Held to maturity, net of allowance for credit losses		5,712,430			5,495,182
Trading securities		45,839			24,698
Other securities		693,502			718,815
Total securities		19,939,930			18,401,383
Federal funds sold and resell agreements		928,438			737,191
Interest-bearing due from banks		4,951,010			10,026,186
Cash and due from banks		779,876			1,087,696
Premises and equipment, net		397,352			395,195
Accrued income		347,447			327,390
Goodwill		1,837,594			1,812,694
Other intangibles, net		439,949			531,918
Other assets		1,914,814			2,016,747
Total assets	$	72,255,560		$	71,760,153

LIABILITIES
Deposits:
Noninterest-bearing demand	$	16,177,250		$	18,481,469
Interest-bearing demand and savings		40,381,530			38,214,606
Time deposits under $250,000		1,834,890			1,935,968
Time deposits of $250,000 or more		1,373,012			1,354,966
Total deposits		59,766,682			59,987,009
Federal funds purchased and repurchase agreements		3,083,600			2,932,606
Long-term debt		480,126			657,324
Accrued expenses and taxes		360,694			389,669
Other liabilities		533,665			507,780
Total liabilities		64,224,767			64,474,388

SHAREHOLDERS' EQUITY
Series A Fixed-Rate Reset Non-Cumulative Perpetual Preferred stock		—			110,705
Series B Fixed-Rate Reset Non-Cumulative Perpetual Preferred stock		294,066			294,062
Common stock		78,666			78,666
Capital surplus		4,016,045			4,000,973
Retained earnings		4,197,812			3,409,706
Accumulated other comprehensive loss, net		(371,517	)		(442,047	)
Treasury stock		(184,279	)		(166,300	)
Total shareholders' equity		8,030,793			7,285,765
Total liabilities and shareholders' equity	$	72,255,560		$	71,760,153

     Consolidated Statements of Income

     UMB Financial Corporation

     (unaudited, dollars in thousands except share and per share data)

      
     Three Months Ended

     Six Months Ended

     June 30,

     June 30,


	2026		2025		2026		2025
INTEREST INCOME
Loans	$	643,995	$	612,414	$	1,277,073	$	1,139,818
Securities:
Taxable interest		146,593		122,237		291,892		220,533
Tax-exempt interest		35,181		33,024		69,635		62,987
Total securities income		181,774		155,261		361,527		283,520
Federal funds and resell agreements		11,259		8,733		27,322		15,685
Interest-bearing due from banks		33,950		73,874		71,852		148,859
Trading securities		388		255		659		625
Total interest income		871,366		850,537		1,738,433		1,588,507
INTEREST EXPENSE
Deposits		298,927		343,153		591,300		646,559
Federal funds and repurchase agreements		28,953		27,423		58,651		53,213
Other		10,961		12,937		21,591		24,072
Total interest expense		338,841		383,513		671,542		723,844
Net interest income		532,525		467,024		1,066,891		864,663
Provision for credit losses		28,000		21,000		55,000		107,000
Net interest income after provision for credit losses		504,525		446,024		1,011,891		757,663
NONINTEREST INCOME
Trust and securities processing		98,295		83,263		192,962		163,044
Trading and investment banking		5,314		6,170		13,054		12,081
Service charges on deposit accounts		29,588		28,865		59,062		56,322
Insurance fees and commissions		207		189		462		367
Brokerage fees		25,400		20,525		46,489		38,627
Bankcard fees		29,954		29,018		58,832		55,311
Investment securities gains, net		27,087		37,685		30,133		32,903
Other		29,660		16,470		49,304		29,728
Total noninterest income		245,505		222,185		450,298		388,383
NONINTEREST EXPENSE
Salaries and employee benefits		227,162		213,551		446,843		434,949
Occupancy, net		19,277		18,571		38,352		34,640
Equipment		13,942		16,426		27,262		33,374
Supplies and services		5,504		6,383		11,108		11,168
Marketing and business development		13,916		11,344		27,708		19,342
Processing fees		43,073		43,638		85,132		84,488
Legal and consulting		14,415		18,468		23,502		47,074
Bankcard		11,873		12,363		23,714		25,158
Amortization of other intangible assets		23,460		25,268		46,920		42,750
Regulatory fees		9,097		9,259		17,367		17,496
Other		17,914		17,897		32,608		27,516
Total noninterest expense		399,633		393,168		780,516		777,955
Income before income taxes		350,397		275,041		681,673		368,091
Income tax expense		72,827		57,647		142,665		69,364
NET INCOME		277,570		217,394		539,008		298,727
Less: Preferred dividends		5,812		2,012		11,625		4,025
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$	271,758	$	215,382	$	527,383	$	294,702

PER SHARE DATA
Net income per common share – basic	$	3.58	$	2.84	$	6.94	$	4.18
Net income per common share – diluted		3.56		2.82		6.90		4.16
Dividends per common share		0.43		0.40		0.86		0.80
Weighted average common shares outstanding – basic		75,972,781		75,923,082		76,002,535		70,523,171
Weighted average common shares outstanding – diluted		76,392,233		76,241,798		76,422,437		70,901,635


Consolidated Statements of Comprehensive Income	UMB Financial Corporation
(unaudited, dollars in thousands)
	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2026			2025			2026			2025
Net income	$	277,570		$	217,394		$	539,008		$	298,727
Other comprehensive (loss) income, before tax:
Unrealized gains and losses on debt securities:
Change in unrealized holding gains and losses, net		(38,499	)		43,337			(123,971	)		119,572
Less: Reclassification adjustment for net gains included in net income		(26	)		(33	)		(429	)		(423	)
Amortization of net unrealized loss on securities transferred from available-for-sale to held-to-maturity		7,290			7,989			14,378			16,279
Change in unrealized gains and losses on debt securities		(31,235	)		51,293			(110,022	)		135,428
Unrealized gains and losses on derivative hedges:
Change in unrealized gains and losses on derivative hedges, net		(22,693	)		14,386			(38,746	)		37,032
Less: Reclassification adjustment for net (gains) losses included in net income		(426	)		2,041			(1,223	)		2,017
Change in unrealized gains and losses on derivative hedges		(23,119	)		16,427			(39,969	)		39,049
Other comprehensive (loss) income, before tax		(54,354	)		67,720			(149,991	)		174,477
Income tax benefit (expense)		14,187			(17,069	)		39,994			(43,474	)
Other comprehensive (loss) income		(40,167	)		50,651			(109,997	)		131,003
Comprehensive income	$	237,403		$	268,045		$	429,011		$	429,730


Consolidated Statements of Shareholders' Equity					UMB Financial Corporation
(unaudited, dollars in thousands except per share data)
	Preferred Stock		Common Stock		Capital Surplus			Retained Earnings			Accumulated Other Comprehensive (Loss) Income			Treasury Stock			Total
Balance - January 1, 2025	$	—	$	55,057	$	1,145,638		$	3,174,948		$	(573,050	)	$	(336,052	)	$	3,466,541
Total comprehensive income		—		—		—			298,727			131,003			—			429,730
Cash dividends declared:
Preferred dividends Series A ($350.00 per share)		—		—		—			(4,025	)		—			—			(4,025	)
Common dividends ($0.80 per share)		—		—		—			(59,944	)		—			—			(59,944	)
Purchase of treasury stock		—		—		—			—			—			(15,724	)		(15,724	)
Issuances of equity awards, net of forfeitures		—		—		(16,202	)		—			—			17,002			800
Recognition of equity-based compensation		—		—		40,298			—			—			—			40,298
Sale of treasury stock		—		—		169			—			—			143			312
Exercise of stock options		—		—		112			—			—			246			358
Common stock issuance costs		—		—		67,056			—			—			168,085			235,141
Preferred stock issuance		294,062		—		—			—			—			—			294,062
Stock issuance for acquisition, net of issuance costs		110,705		23,609		2,763,902			—			—			—			2,898,216
Balance - June 30, 2025	$	404,767	$	78,666	$	4,000,973		$	3,409,706		$	(442,047	)	$	(166,300	)	$	7,285,765

Balance - January 1, 2026	$	294,066	$	78,666	$	4,011,047		$	3,736,413		$	(261,520	)	$	(165,104	)	$	7,693,568
Total comprehensive income		—		—		—			539,008			(109,997	)		—			429,011
Cash dividends declared:
Preferred dividends Series B ($387.50 per share)		—		—		—			(11,625	)		—			—			(11,625	)
Common dividends ($0.86 per share)		—		—		—			(65,984	)		—			—			(65,984	)
Purchase of treasury stock		—		—		—			—			—			(37,901	)		(37,901	)
Issuances of equity awards, net of forfeitures		—		—		(16,259	)		—			—			17,983			1,724
Recognition of equity-based compensation		—		—		21,050			—			—			—			21,050
Sale of treasury stock		—		—		142			—			—			150			292
Exercise of stock options		—		—		65			—			—			593			658
Balance - June 30, 2026	$	294,066	$	78,666	$	4,016,045		$	4,197,812		$	(371,517	)	$	(184,279	)	$	8,030,793


Average Balances / Yields and Rates	UMB Financial Corporation
(tax - equivalent basis)
(unaudited, dollars in thousands)
	Three Months Ended June 30,
	2026						2025
	Average			Average			Average			Average
	Balance			Yield/Rate			Balance			Yield/Rate
Assets
Loans, net of unearned interest	$	40,623,950			6.36	%	$	36,406,753			6.75	%
Securities:
Taxable		15,580,537			3.77			13,409,940			3.66
Tax-exempt		4,337,660			4.06			4,273,494			3.87
Total securities		19,918,197			3.84			17,683,434			3.71
Federal funds and resell agreements		1,033,826			4.37			684,747			5.12
Interest-bearing due from banks		3,712,165			3.67			6,660,111			4.45
Trading securities		26,734			6.12			16,693			6.54
Total earning assets		65,314,872			5.41			61,451,738			5.61
Allowance for credit losses		(418,985	)					(367,919	)
Other assets		5,511,562						5,787,982
Total assets	$	70,407,449					$	66,871,801

Liabilities and Shareholders' Equity
Interest-bearing deposits	$	42,872,466			2.80	%	$	41,246,157			3.34	%
Federal funds and repurchase agreements		3,512,241			3.31			2,767,216			3.97
Borrowed funds		478,555			9.19			655,575			7.92
Total interest-bearing liabilities		46,863,262			2.90			44,668,948			3.44
Noninterest-bearing demand deposits		14,712,647						14,403,211
Other liabilities		843,604						839,134
Shareholders' equity		7,987,936						6,960,508
Total liabilities and shareholders' equity	$	70,407,449					$	66,871,801
Net interest spread					2.51	%					2.17	%
Net interest margin					3.32						3.10


Average Balances / Yields and Rates	UMB Financial Corporation
(tax - equivalent basis)
(unaudited, dollars in thousands)
	Six Months Ended June 30,
	2026						2025
	Average			Average			Average			Average
	Balance			Yield/Rate			Balance			Yield/Rate
Assets
Loans, net of unearned interest	$	40,007,008			6.44	%	$	34,369,543			6.69	%
Securities:
Taxable		15,617,174			3.77			12,557,618			3.54
Tax-exempt		4,345,604			4.04			4,197,951			3.78
Total securities		19,962,778			3.83			16,755,569			3.60
Federal funds and resell agreements		1,285,452			4.29			620,632			5.10
Interest-bearing due from banks		3,951,163			3.67			6,733,977			4.46
Trading securities		22,070			6.30			18,767			7.10
Total earning assets		65,228,471			5.43			58,498,488			5.53
Allowance for credit losses		(418,380	)					(344,276	)
Other assets		5,605,959						5,285,676
Total assets	$	70,416,050					$	63,439,888

Liabilities and Shareholders' Equity
Interest-bearing deposits	$	42,672,728			2.79	%	$	39,063,362			3.34	%
Federal funds and repurchase agreements		3,567,518			3.32			2,730,267			3.93
Borrowed funds		477,045			9.13			613,236			7.92
Total interest-bearing liabilities		46,717,291			2.90			42,406,865			3.44
Noninterest-bearing demand deposits		14,906,914						13,918,401
Other liabilities		867,597						846,697
Shareholders' equity		7,924,248						6,267,925
Total liabilities and shareholders' equity	$	70,416,050					$	63,439,888
Net interest spread					2.53	%					2.09	%
Net interest margin					3.35						3.04


Business Segment Information	UMB Financial Corporation
(unaudited, dollars in thousands)
	Three Months Ended June 30, 2026
	Commercial Banking		Institutional Banking		Personal Banking			Total
Net interest income	$	362,575	$	79,048	$	90,902		$	532,525
Provision for credit losses		24,733		627		2,640			28,000
Noninterest income		51,939		129,191		64,375			245,505
Noninterest expense		169,253		122,527		107,853			399,633
Income before taxes		220,528		85,085		44,784			350,397
Income tax expense		45,835		17,684		9,308			72,827
Net income	$	174,693	$	67,401	$	35,476		$	277,570

	Three Months Ended June 30, 2025
	Commercial Banking		Institutional Banking		Personal Banking			Total
Net interest income	$	322,619	$	66,331	$	78,074		$	467,024
Provision for credit losses		18,334		430		2,236			21,000
Noninterest income		43,219		107,998		70,968			222,185
Noninterest expense		170,648		105,137		117,383			393,168
Income before taxes		176,856		68,762		29,423			275,041
Income tax expense		37,068		14,412		6,167			57,647
Net income	$	139,788	$	54,350	$	23,256		$	217,394

	Six Months Ended June 30, 2026
	Commercial Banking		Institutional Banking		Personal Banking			Total
Net interest income	$	727,917	$	156,336	$	182,638		$	1,066,891
Provision for credit losses		48,510		1,125		5,365			55,000
Noninterest income		98,228		251,020		101,050			450,298
Noninterest expense		334,705		235,458		210,353			780,516
Income before taxes		442,930		170,773		67,970			681,673
Income tax expense		92,699		35,741		14,225			142,665
Net income	$	350,231	$	135,032	$	53,745		$	539,008

	Six Months Ended June 30, 2025
	Commercial Banking		Institutional Banking		Personal Banking			Total
Net interest income	$	596,536	$	127,489	$	140,638		$	864,663
Provision for credit losses		85,085		865		21,050			107,000
Noninterest income		80,438		211,792		96,153			388,383
Noninterest expense		343,660		212,402		221,893			777,955
Income (loss) before taxes		248,229		126,014		(6,152	)		368,091
Income tax expense (benefit)		46,777		23,746		(1,159	)		69,364
Net income (loss)	$	201,452	$	102,268	$	(4,993	)	$	298,727

The company has strategically aligned its operations into the following three reportable segments: Commercial Banking, Institutional Banking, and Personal Banking. Senior executive officers regularly evaluate business segment financial results produced by the company’s internal reporting system in deciding how to allocate resources and assess performance for individual business segments. The company’s reportable segments include certain corporate overhead, technology and service costs that are allocated based on methodologies that are applied consistently between periods. For comparability purposes, amounts in all periods are based on methodologies in effect at June 30, 2026.

Non-GAAP Financial Measures


Net operating income available to common shareholders Non-GAAP reconciliations:	UMB Financial Corporation
(unaudited, dollars in thousands except per share data)
	Three Months Ended June 30,						Six Months Ended June 30,
	2026			2025			2026			2025
Net income available to common shareholders (GAAP)	$	271,758		$	215,382		$	527,383		$	294,702
Adjustments:
Day 1 acquisition provision expense		—			—			—			62,037
Acquisition expense		1,674			13,494			6,028			66,663
Severance expense		—			373			2,036			818
FDIC special assessment		—			(726	)		(885	)		(97	)
Tax-impact of adjustments (i)		(402	)		(3,144	)		(1,723	)		(29,866	)
Total Non-GAAP adjustments (net of tax)		1,272			9,997			5,456			99,555
Net operating income (Non-GAAP)	$	273,030		$	225,379		$	532,839		$	394,257

Earnings per common share - diluted (GAAP)	$	3.56		$	2.82		$	6.90		$	4.16
Day 1 acquisition provision expense		—			—			—			0.87
Acquisition expense		0.02			0.19			0.08			0.94
Severance expense		—			—			0.03			0.01
FDIC special assessment		—			(0.01	)		(0.01	)		—
Tax-impact of adjustments (i)		(0.01	)		(0.04	)		(0.02	)		(0.42	)
Operating earnings per common share - diluted (Non-GAAP)	$	3.57		$	2.96		$	6.98		$	5.56

GAAP
Return on average assets		1.55	%		1.29	%		1.51	%		0.94	%
Return on average common equity		14.16			12.72			13.93			9.67

Non-GAAP
Operating return on average assets		1.56	%		1.35	%		1.53	%		1.25	%
Operating return on average common equity		14.22			13.31			14.08			12.94

(i) Calculated using the company’s marginal tax rate of 24.0%. Certain merger-related expenses are non-deductible.


Operating noninterest expense and operating efficiency ratio Non-GAAP reconciliations:	UMB Financial Corporation
(unaudited, dollars in thousands)
	Three Months Ended June 30,						Six Months Ended June 30,
	2026			2025			2026			2025
Noninterest expense	$	399,633		$	393,168		$	780,516		$	777,955
Adjustments to arrive at operating noninterest expense (pre-tax):
Acquisition expense		1,674			13,494			6,028			66,663
Severance expense		—			373			2,036			818
FDIC special assessment		—			(726	)		(885	)		(97	)
Total Non-GAAP adjustments (pre-tax)		1,674			13,141			7,179			67,384
Operating noninterest expense (Non-GAAP)	$	397,959		$	380,027		$	773,337		$	710,571

Noninterest expense	$	399,633		$	393,168		$	780,516		$	777,955
Less: Amortization of other intangibles		23,460			25,268			46,920			42,750
Noninterest expense, net of amortization of other intangibles (Non-GAAP) (numerator A)	$	376,173		$	367,900		$	733,596		$	735,205

Operating noninterest expense	$	397,959		$	380,027		$	773,337		$	710,571
Less: Amortization of other intangibles		23,460			25,268			46,920			42,750
Operating expense, net of amortization of other intangibles (Non-GAAP) (numerator B)	$	374,499		$	354,759		$	726,417		$	667,821

Net interest income	$	532,525		$	467,024		$	1,066,891		$	864,663
Noninterest income		245,505			222,185			450,298			388,383
Less: Gains on sales of securities available for sale, net		26			33			429			423
Total Non-GAAP Revenue (denominator A)	$	778,004		$	689,176		$	1,516,760		$	1,252,623

Efficiency ratio (numerator A/denominator A)		48.35	%		53.38	%		48.37	%		58.69	%
Operating efficiency ratio (Non-GAAP) (numerator B/denominator A)		48.14			51.48			47.89			53.31


Operating pre-tax, pre-provision income non-GAAP reconciliations:	UMB Financial Corporation
(unaudited, dollars in thousands except per share data)
	Three Months Ended June 30,					Six Months Ended June 30,
	2026		2025			2026			2025
Net interest income (GAAP)	$	532,525	$	467,024		$	1,066,891		$	864,663
Noninterest income (GAAP)		245,505		222,185			450,298			388,383

Noninterest expense (GAAP)		399,633		393,168			780,516			777,955
Adjustments to arrive at operating noninterest expense:
Acquisition expense		1,674		13,494			6,028			66,663
Severance expense		—		373			2,036			818
FDIC special assessment		—		(726	)		(885	)		(97	)
Total Non-GAAP adjustments		1,674		13,141			7,179			67,384
Operating noninterest expense (Non-GAAP)		397,959		380,027			773,337			710,571
Operating pre-tax, pre-provision income (Non-GAAP)	$	380,071	$	309,182		$	743,852		$	542,475

Net interest income earnings per common share - diluted (GAAP)	$	6.97	$	6.13		$	13.96		$	12.20
Noninterest income (GAAP)		3.21		2.91			5.89			5.47
Noninterest expense (GAAP)		5.23		5.16			10.21			10.97
Acquisition expense		0.02		0.19			0.08			0.94
Severance expense		—		—			0.03			0.01
FDIC special assessment		—		(0.01	)		(0.01	)		—
Operating pre-tax, pre-provision earnings per common share - diluted (Non-GAAP)	$	4.97	$	4.06		$	9.74		$	7.65


Operating pre-tax, pre-provision income - FTE Non-GAAP reconciliations:	UMB Financial Corporation
(unaudited, dollars in thousands except per share data)
	Three Months Ended June 30,					Six Months Ended June 30,
	2026		2025			2026			2025
Net interest income (GAAP)	$	532,525	$	467,024		$	1,066,891		$	864,663
Adjustments to arrive at net interest income - FTE:
Tax equivalent interest		8,832		8,291			17,545			15,796
Net interest income - FTE (Non-GAAP)		541,357		475,315			1,084,436			880,459

Noninterest income (GAAP)		245,505		222,185			450,298			388,383

Noninterest expense (GAAP)		399,633		393,168			780,516			777,955
Adjustments to arrive at operating noninterest expense:
Acquisition expense		1,674		13,494			6,028			66,663
Severance expense		—		373			2,036			818
FDIC special assessment		—		(726	)		(885	)		(97	)
Total Non-GAAP adjustments		1,674		13,141			7,179			67,384
Operating noninterest expense (Non-GAAP)		397,959		380,027			773,337			710,571
Operating pre-tax, pre-provision income - FTE (Non-GAAP)	$	388,903	$	317,473		$	761,397		$	558,271

Net interest income earnings per common share - diluted (GAAP)	$	6.97	$	6.13		$	13.96		$	12.20
Tax equivalent interest		0.12		0.11			0.23			0.22
Net interest income - FTE (Non-GAAP)		7.09		6.24			14.19			12.42
Noninterest income (GAAP)		3.21		2.91			5.89			5.47
Noninterest expense (GAAP)		5.23		5.16			10.21			10.97
Acquisition expense		0.02		0.19			0.08			0.94
Severance expense		—		—			0.03			0.01
FDIC special assessment		—		(0.01	)		(0.01	)		—
Operating pre-tax, pre-provision income - FTE earnings per common share - diluted (Non-GAAP)	$	5.09	$	4.17		$	9.97		$	7.87


Tangible book value non-GAAP reconciliations:	UMB Financial Corporation
(unaudited, dollars in thousands except share and per share data)
	As of June 30,
	2026		2025
Total common shareholders' equity (GAAP)	$	7,748,351	$	6,885,023
Less: Intangible assets
Goodwill		1,837,594		1,812,694
Other intangibles, net		439,949		531,918
Total intangibles, net		2,277,543		2,344,612
Total tangible common shareholders' equity (Non-GAAP)	$	5,470,808	$	4,540,411

Total common shares outstanding		75,947,552		75,927,002

Ratio of total common shareholders' equity (book value) per share	$	102.02	$	90.68
Ratio of total tangible common shareholders' equity (tangible book value) per share (Non-GAAP)		72.03		59.80

2nd Quarter 2026Update July 28, 2026

Presentation Index Corporate Overview & Investment Thesis 2nd Quarter 2026 Results Long-Term Performance Trends Appendix 3 11 28 38 46 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 48 for important disclosures about information contained in this presentation. Select Financial Statements Purchase Accounting Update 8 Line of Business Updates Peer Group

Corporate Overview Asset-based lending Healthcare Services National Presence International Presence UMBF Trust & Agency Services – Dublin, Ireland Specialized Lending Verticals Corporate Trust Capital Markets (5) Fund Services Private Wealth Management & Personal Trust 192 banking centers (4) 358 ATMs UMB Bank Presence UMB Financial Corporation Headquarters Highlights At, or for the 3 months ended 06/30/26. (1) Includes $18.8B in managed assets and $2.5B in Assets Under Administration for Private Wealth customers; (2) Operating ROATCE is a non-GAAP measure, reconciled on slide 52; (3) Operating efficiency ratio is a non-GAAP measure; reconciled on slide 51; (4) As of 06/30/26, we had 192 physical locations licensed with the OCC, including 189 retail branches plus 3 commercial or private banking centers; (5) UMB Bank, n.a. Capital Markets Division.

Business ModelOur Diverse Foundation Commercial & Personal Banking Services 2Q‘26 Revenue: $569.8 million; 2Q‘26 Average Deposits: $38.7 billion Average loans: $4.8B (1) (2) Average deposits: $13.4B Retail deposit and lending services through 192 banking centers (3) and online Private banking services Consumer mortgage AUM = $18.8B AUA = $2.5B Financial & estate planning Investment management Wealth solutions Business succession and exit planning Trust and custody Direct private equity investment access Insurance settlements Retirement plan services C&I lending Small business lending CRE & Construction lending Specialized Expertise: Average loans: $35.1B (1) Average deposits: $25.3B Agribusiness Energy Practice finance Franchise lending Mezzanine debt and equity investments Commercial Consumer Private Wealth Institutional Banking Services 2Q’26 Revenue: $208.2 million; 2Q‘26 Average Deposits: $18.9 billion Institutional Banking provides solutions for the entire marketplace; $623.7 billion in AUA (4) Corporate Trust Bond trustee, paying agent and escrow services Institutional Custody Domestic and international custody services Fund Services Fund accounting and administration; transfer agency Alternative investment servicing Specialty Trust & Agency Solutions Default workout and successor trustee services Aviation, ABS and loan agency services CLO trustee and loan administration services Capital Markets Division (5) Fixed income sales and trading Public finance Asset / liability management services Investor Solutions Banking, cash management and specialty services for financial firms Healthcare Services Health savings and benefit spending accounts Healthcare payment solutions Aviation lending Asset-based lending Beverage lending Healthcare lending Treasury management Merchant payments Retirement plan services Metrics at, or for quarter ended, 06/30/26. (1) Excludes credit card; (2) Includes consumer plus residential real estate loans; (3) As of 06/30/26, we had 192 physical locations licensed with the OCC, including 189 retail branches plus 3 commercial or private banking centers; (4) Includes AUA in Fund Services/custody and Healthcare Services; (5) Products offered through UMB Bank Capital Markets Division: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED.

Investment ThesisOpportunity in Our Diverse Business Model Track record of strong loan growth – opportunities remain Underpenetrated across our geographic footprint, focused on market share gains Underpenetrated vertically on an asset class basis; built out specialized teams Opportunity to leverage capacity and capabilities in newly-acquired markets Diverse deposit base across multiple lines of business, customer segments and geographies No one commercial sector represents more than 4.9% of total deposits Long-tenured relationships with clients using multiple UMB products and services Flexible balance sheet well-positioned for changing interest rate environments Above peer earning asset growth Lower loan-to-deposit ratio provides flexibility 26% of average deposit balances in DDA Focus on returning value to shareholders; risk-adjusted returns EPS and tangible book value growth have outpaced peers over the long-term Consistent dividend growth Differentiated revenue profile and growing fee income Revenue from diverse lines of business and verticals provide a natural hedge in a variety of rate environments Lower-than-peer reliance on mortgage and NSF/OD revenue Time-tested underwriting philosophy Unwavering credit standards Excellent long-term UMB track record; result of long-tenured credit team – average of 20 years with UMB Executive Credit Oversight (CEO of UMBFC, CEO of UMB Bank & Chief Credit Officer) – average of 34 years with UMB Variable asset base – 76% of total loans reprice within 12 months $3.1 billion of fixed rate loans reprice within 12 months; average rate 5.11% $2.3 billion of securities cash flow expected within 12 months; average rate 3.78% Ample liquidity sources and regulatory capital levels Access to multiple contingent funding sources Strong capital generation through earnings accretion

Beyond FinancialsOur Culture Our Values Our Commitment Our Vision the unparalleled customer experience Customers First We do the unparalleled to create an environment that consistently exceeds the expectations of our customers. Integrity & Trust We demonstrate our uncompromising honesty and integrity to earn the trust of everyone we serve. Performance & Strength We achieve sustainable greatness by delivering on our promise, remaining independent and maintaining financial soundness. Associate Spirit We rely upon our people and their collective attitude and skills to differentiate us from our competitors. Inclusion & Diversity We believe an inclusive and diverse culture energizes the workplace and ignites innovation. Creating an unparalleled customer experience requires a culture where our people feel part of something more, something bigger. We foster this experience through our policies, our business decisions and our expectations of each associate. the unparalleled customer experience An unwavering commitment to doing more for our customers. Whether it’s having a heart for each other, our customers or our communities, we support work through inclusive policies and empowering people to create fulfilling lives in and out of the workplace. MORE HEART Our goal is to grow existing strengths and build new skills. We’re committed to empowering our workforce to make an impact and achieve their goals through open conversations and providing the tools to develop potential. MORE OPPORTUNITY MORE TRUST Our associates have confidence they will be encouraged and expected to do the right thing at all times — no matter what. We’re focused on setting clear expectations and a leadership team who is accessible and transparent.

Beyond FinancialsOur Commitment to Corporate Citizenship Read our full Corporate Citizenship Report at UMB.com/ESGreport Our programs reinforce our values of doing the right thing, supporting our associates and communities, and providing the unparalleled customer experience. Supporting inclusive, equitable and sustainable economic growth. Remaining committed to the prosperity of the communities we serve. Using an ESG lens in considering long-term financial sustainability and strategic risk management opportunities. ESG Efforts We are a CEO Action for Inclusion & Diversity signatory and are dedicated to building greater understanding and creating a workplace that reflects the diversity of our society. Eight Business Resource Groups with more than 700 members help us understand the needs of our associates, customers and communities and turn empathy into action. In 2025, 28% of new hires were people of color, 59% were women and 2% were veterans. 43% of our executive leadership team are women and/or people of color. Fostering an inclusive environment among a diverse group of associates. Employing strong, consistent and transparent governance practices. Efficient & Sensible Resource Use Strong Corporate Governance Inclusion & Diversity 14-person board of directors, with 13 independent members, a lead independent director, and 100% independence on board committees. 50% board diversity, including 6 female directors. Robust risk oversight with distinct risk management committees: enterprise risk, asset and liability, and credit. Board oversight of the executive ESG Committee. Community Impact $8.4mm in community support in 2025, which included housing needs, the arts, agriculture, small business, and education. $2.3mm went to organizations within our new markets. In 2025 >1,000 associates participated in our matching gift program; combined with workplace giving, associated giving totaled nearly $650k. Associates receive 16 hours of paid Volunteer Time Off annually. 1,012 participants logged more than 17,600 hours of volunteer time in 2025, supporting 572 unique charities. Our School of Economics held 140 sessions, reaching more than 8,200 students. Interactive experiences help build financial skills and literacy. 88 UMB locations use automated systems to conserve energy. More than 472k Kilowatt hours were generated from solar panels across our properties and we invested $2.9mm in more efficient HVAC equipment. 2025 recycling efforts produced > 6 tons of comingled recycling, nearly 5 tons of cardboard and 540 pounds of recycled batteries. Beehives housed at a Denver branch support the local honeybee population. UMB-hosted bees visited an estimated 98mm flowers over 8,000+ acres in 2025. Since installation, we’ve harvested nearly 450 pounds of edible honey.

Purchase Accounting Update

HTLF Acquisition Accounting Impacts (1) Loan amounts recognized for 2Q’26 include $10.9mm in accelerated accretion from early payoffs of acquired loans and $20.5mm in contractual mark accretion on loans; Total to date = $59.9mm from accelerations and $166.0mm contractual loan accretion; (2) 10-year sum-of-years digits amortization; (3) Includes $20.4mm related to wealth management, straight-line amortization over 7 years, and $5.5mm related to purchased credit card relationships, straight-line amortization over 3 years. Net Interest Margin Impact Net Interest Income Accretion Non-interest Expense Amortization $ in millions $ in millions

Projected Contractual Accretion $164.2 million recognized in 2025; $86.9 million recognized YTD 2026 Includes accretion on acquired loans, securities, time deposits and borrowings Projections are updated quarterly, assume no prepayments and are subject to change $ in millions Remaining in 2026 $45.8mm

2nd Quarter 2026Financial Review

2Q 2026 Highlights – Income Statement (1) Net interest income-FTE, operating noninterest expense and net operating income and EPS available to common shareholders are non-GAAP measures, reconciled on slides 49 and 50. $ in millions, except per share amounts 1Q ’26 2Q ’26 2Q ’25 Linked-Quarter Variance & Commentary

2Q 2026 Highlights – Balance Sheet & Credit $ in millions 1Q ’26 2Q ’26 2Q ’25 Linked-Quarter Variance & Commentary

2Q 2026 Net Income $363.7 $380.1 $309.2 $293.4 $329.1 Dollars in millions, except per share amounts. (1) Net operating income available to common shareholders is a non-GAAP measure, reconciled on slide 49; (2) Operating PTPP income and EPS is a non-GAAP measure, reconciled on slide 50; (3) Net gains/losses on any disposition or impairment of debt securities plus mark-to-market valuations of equity investments. EPS / common share (GAAP) Net Inc. Avail. to Common Shareholders Op. EPS / common share (1) Adjustments to Net Income $235.2 $259.8 $273.0 $225.4 $206.5 Net Income & Net Operating Income (1) Operating PTPP Income (2) Operating PTPP Income – gains/losses on inv. securities (3) Operating PTPP Income, ex. gains/losses on inv. securities Operating PTPP EPS (2) Available to Common Shareholders

Revenue Trends $ in millions Linked-Quarter $ ∆ % ∆ 2Q ’26 1Q ’26 2Q ’25 3Q ’25 4Q ’25

Net Interest Income & Margin NII, ex. PAA NII from PAA Reported NIM NIM ex. PAA $532.5 $467.0 $475.0 $522.5 $534.4 $ in millions 3.09% 2.83% 2.78% 2.96% 3.05% 2Q ’25 3Q ’25 4Q ’25 1Q ’26 2Q ’26 $ in millions

Noninterest Income Fee Income / Revenue Peer Median Fee Income / Revenue (1) (1) UMB peers (14 banks), data as of latest available quarter; Source: S&P Capital IQ. Peer group defined on slide 54. Investment Securities Gains (Losses) Brokerage Fees Trust / Securities Processing Bankcard Fees Trading / Invest. Banking Other Income Deposit Svc. Charges. $204.8 $245.5 $222.2 $203.3 $198.4 Composition / Changes in Inv. Securities Gains (Losses) and Trust & Securities Processing Linked-Quarter Commentary $ in millions $ in millions Linked-Quarter Noninterest income increased $40.7mm, or 19.9% to $245.5mm for 2Q’26. LQ variances include: + $24.0mm in investment securities gains, primarily related to Beacon Communications and fund investment gains related to SpaceX + $11.2mm in COLI income within “other income”, with a similar increase in deferred compensation expense + $4.3mm in brokerage income related to 12b-1 and money market income + $3.6mm in trust & securities processing income driven by strong performance in asset servicing and corporate trust Partial offsets: - $2.4mm in trading and investment banking income related to lower levels of trading in municipal and agency securities

Noninterest Expense (1) Operating noninterest expense is a non-GAAP metric, reconciled on slide 50. Linked-Quarter Commentary 2Q ’25 3Q ’25 4Q ’25 1Q ’26 2Q ’26 GAAP expense; $ in millions Linked-Quarter $ ∆ % ∆ GAAP noninterest expense increased $18.8mm, or 4.9% from 1Q’26 to $399.6mm. On an operating basis, which excludes acquisition expense, severance expense and adjustments to FDIC special assessments, noninterest expense was $398.0mm, an increase of $22.6mm, or 6.0% from 1Q’26. (1) Notable 2Q’26 variances impacting operating noninterest expense: + $7.5mm in total salary and benefit expense related to: $6.7mm from the impact of annual merit increases in 2Q’26 and a $12.6mm increase in deferred compensation expense, offset by $12.5mm in seasonal decreases in payroll taxes, insurance and 401(k) expense + $4.1mm in operational losses, recorded in “other noninterest expense” + $3.6mm in legal and consulting expense due to timing of multiple projects, and +$1.0mm in processing fees expense due to increased software subscription costs

$ 37,139 $ 38,344 $ 39,383 $ 40,624 Diversified Loan Portfolio $ 36,407 2Q ’25 1Q ’26 2Q ’26 Linked-Quarter $ ∆ California: 4% Greater MO: 3% Wisconsin: 2% Illinois: 2% Kansas: 2% New Mexico: 1% Iowa: 1% Minnesota: 1% Oklahoma: 1% Nebraska : 1% Smaller Regions: Loans Across Our Footprint Avg. balances; $ in millions Avg. balances; $ in millions Inv. CRE Asset-Based C&I Resi. R/E Consumer Construction Credit Card Avg. Loan Yield Loan Yield ex. PAA OO CRE % ∆ * Includes NDFI loans. Kansas City 23% Colorado 19% Arizona 10% St. Louis 14% Texas 11% Utah 5% 6.01% 6.26% 6.27% 6. 14% 5. 99%

Quarterly Loan Activity 2Q ’26 1Q ’26 2Q ’25 3Q ’25 4Q ’25 $ in millions

Strong Asset Quality Dollars in millions. (1) Delinquencies represent accruing loans > 30 days past due. Net Loan Charge-Offs (Recoveries) Delinquencies (1) Nonperforming Loans Allowance for Credit Losses on Loans Allowance for Credit Losses on Loans ACL / Total Loans Net Charge-offs NCOs / Average Loans Delinquencies Delinquencies / Loans Nonperforming Loans NPLs / Total Loans

Detailed Net Charge-Off History Recent Quarterly Trends Annual 2009 2010 2008 2004 2005 2006 2007 2011 2012 2013 2014 2019 2020 2018 2015 2016 2017 2021 2022 2023 2024 2Q ’26 1Q ’26 2Q ’25 3Q ’25 4Q ’25 2025

Available-for-Sale (1) High-Quality Investment Portfolio $13,613 $13,541 $11,407 $12,815 $5,697 $5,697 $5,598 $5,712 Average balances - $ in millions Average Blended Yield Treasuries Corp. & Commercial Paper GNMA/GSE Mortgage-Backed GSE Agencies General Obligation Municipals Collateralized Loan Obligations Revenue Bonds $13,529 (1) Balances are presented at carrying value, which is fair value for the available-for-sale portfolio and amortized cost for the held-to-maturity portfolio. Average balances - $ in millions Held-to-Maturity (1) $5,455

Securities Portfolio Statistics Amortized Cost Fair Value Net Unrealized Loss $ in millions; as of 06/30/26 (1) Purchase activity, cash flow and duration excludes HTM industrial revenue bonds; (2) Total portfolio yield is influenced by roll off and reinvestment activity as well as changes in premium amortization and discount accretion; (3) Purchases for roll-off and overbuy, net of purchases related to sales/trades or short-term collateral needs. Securities Portfolio Activity (1) (2) $ in millions

Diversified Deposit Mix $57,574 $55,649 $56,764 $57,554 Commercial Personal Institutional Commercial Banking 44% Consumer & Private Wealth 23% Capital Mkts & Corp. Trust 10% Healthcare Services 6% Fund Services 11% Investor Solutions 6% 26% 24% 26% 26% $57,585 Deposits by Line of Business Interest-Bearing Demand & Savings Demand Deposits Time Deposits DDA / total deposits Average Total Deposit Cost Avg. balances; $ in millions 26% 2Q ’25 1Q ’26 2Q ’26 Linked-Quarter $ ∆ Avg. balances; $ in millions % ∆

Interest Rate Sensitivity Increase / decrease based on hypothetical rate changes and stable balance sheet Projected rates for new loans and deposits based on historical analysis, management outlook and repricing strategies Asset prepayments and other market risks developed from industry estimates of prepayment speeds and other changes Ramp Scenario 72% of total end-of-period loans, or ~ $29.6B, are variable 76% of total loans reprice within 12 months Of variable loans - % tied to indices for next 12 months: Year 2 Year 1 - 200 - 100 + 100 + 200 Shock Scenario Year 2 Year 1 76% - 1-Month SOFR 82% adjust monthly 11% adjust daily 18% - Prime 24% adjust monthly 63% adjust daily Floor Contracts – indexed to 1 Month SOFR; 4–6-year terms Interest Rate Floor Spreads Impact to Net Interest Income Loan Maturities & Repricing Cash Flow Hedges of Interest Rate Risk 6% - Treasury & other 4.05% contract; notional value of $125mm, effective 10/24 4.80% contract; notional value of $250mm, effective 12/24 5.05% contract; notional value of $250mm, effective 03/25 Ten floor spreads; aggregate notional value of $2.375B Weighted average rate: 4.84% / 2.37% Deposit Mix by Rate Sensitivity Fixed Rate Loans Variable Rate Loans Hard Indexed – immediate adjustment Soft Indexed – negotiated / bid accounts Non-Indexed Interest-Bearing DDA $3.1 billion of fixed rate loans reprice within 12 months; average rate 5.11% Average for 2Q’26

Capital & Liquidity Position As of June 30, 2026 $ in billions CET 1 Total Capital Tier 1 Leverage Tangible Common Equity Ratio (1) 7.82% Total Common Equity / Total Assets 10.72% 6.50% 10.00% 5.00% (1) Tangible common equity and tangible common equity ratio are non-GAAP measures, reconciled on slide 51. 13.80% 11.45% 9.11% Regulatory Capital Ratios Ample Liquidity Available Liquidity Sources $4.7B $7.4B $7.0B $5.8B $5.7B 8.8% 7.3% 12.0% 11.0% 9.1% Fed funds & resell agreements Int-bearing due from banks % of average earning assets $ billions UMBF ratio “Well Capitalized” 12.02% 8.00% Tier 1

Line of Business Updates

Commercial BankingCommercial Capabilities Investment Real Estate Industrial Multi-family Office Retail Hotel Student Housing Agribusiness Asset-based Lending Energy Lending Lending Verticals C&I Lending Owner-Occupied CRE Middle Market Working capital lines Equipment loans Business Banking Practice Finance Small Business Banking Small / Medium Business Middle Market 49% Investment Real Estate 28% Sm./Med Biz 7% Specialized Verticals 16% $35.1B (1) Average loan balances for 2Q‘26, excluding credit card; (2) 2025 Rank among U.S. Visa and Mastercard Commercial Card Issuers, Source: Nilson Report, May ‘26; (3) “Production ag lending” per ABA 1Q ‘26, FDIC data. #12 of 100 Largest Farm Lenders in the U.S. (3) Commercial Credit Card Purchase Volume (2) TOP 15 Prepaid & Purchasing Card Volume (2) TOP 5 Commercial Lending Portfolio Average Loan Balance & Composition (1) Franchise Lending Healthcare Lending

Commercial BankingC&I Lending C&I loans of $18.4B as of 06/30/26 = 44.8% of UMB loans Includes Middle Market, Specialized Verticals and Small / Medium Business NDFI = $2.8B, +1% vs. 03/31/26 Comprised of clients with diversified holdings & strong credit structures Low leverage at the fund level & conservative UMB loan-to-value metrics 29% of total loans in NDFI categories are subscription lines > 99% of NDFI balances are pass-rated Food & Beverage 2% Tech & Media 2% Finance & Insure 2% Materials & Commodities 2% Manu-facturing 3% Retail 3% Health-care 2% Commercial Services 4% Other (2) 6% Agri-business 3% Energy-Related 3% Average Line Utilization Trends Construction & Real Estate Industry 6% (1) End-of-period balances as of 06/30/26. C&I Industries as % of Total UMB Loans (1) Commercial & Industrial Statistics (2) Other - 6% of total UMB loans Diversified / Misc. Auto-related Transportation Entertainment / Rec. Consumer Services Apparel / Textiles Utilities Govt. / Education Non-Depository Financial Institutions 7% C&I Balance Trends +25% YoY

Commercial BankingCommercial Real Estate Sr. Living 1-4 Unit Rentals Vacant Land Other (3) Investment CRE & Construction Portfolio $10.7B = 26.0% of total UMB loans Average Loan-to-Value: 57% Loans with Recourse: 84% Investment Real Estate Rate Type: Fixed – 25% Variable – 75% End-of-period balances as of 06/30/26. (1) Excludes owner-occupied commercial real estate; (2) Defined as Tier 1 capital plus an adjusted allowance for credit losses, per regulatory guidelines. Investment CRE Geographic Diversity Owner-Occupied CRE & Farmland $5.9B = 14.3% of total UMB loans New purchase or refinance Rate Type: Fixed – 52% Variable – 48% Owner - Occ 12% Farmland 2% $5.9 B $10.7 B By property location (3) Other - 2% of total UMB loans Mixed Use Self-storage Special Purpose Homebuilder Student Housing Healthcare Manufactured Housing (No state > 3.1%) CRE Statistics Investment CRE as % of Total UMB Loans (1) Const. / Land Dev. 7% Investment CRE 19% Industrial 8% Multifamily 7% Office 3% Retail 2% Hotel 2% 2% 1% 1% 1% Regulatory Concentrations (2)

Personal Banking Consumer Growth engine for new customers; deepening existing relationships Private Banking Strategically positioned for sales growth Retail Banking Hybrid Service & Sales Model – Provides broad products and services to meet diverse client needs 192 Banking Centers (3) 358 ATMs $3.9B 44 Average Private Banking Deposits Private Bankers Across 13 regions Mortgage 22 MLOs across UMB Footprint Community Development Competitive mortgage solutions for all client types Average Mortgage Balances Diverse client engagement in our communities 96 Financial Education Classes 15 Community Partners Served 1,920 Community Participants Key Products Offered Fannie Mae / Freddie Mac Portfolio on balance sheet mortgages Secondary market mortgages 1st Time Homebuyer Assistance $3.7B Digital Capabilities across Consumer Digital loan and deposit application and originations Mobile Banking: Deposits, transfers, bill pay, acct review and more Metrics at, or for the quarter ended, 06/30/26, unless otherwise stated. (1) Average quarterly balances; (2) Net Promoter Score is the national average for all banks – 107,059 samples, source JD Power; (3) As of 06/30/26, we had 192 physical locations licensed with the OCC, including 189 retail branches plus 3 commercial or private banking centers. Mortgage Lending (1) 69.1 Industry Average (2) 38.0 NPS Score High Customer Satisfaction Consumer serves personal banking needs of clients across all divisions of the bank Deposits (1) Expanding Consumer Presence $13.0B $3.6B $3.7B +4% $13.3B $13.4B $3.7B +5% 23% of deposits

Personal Banking Private Wealth Management & Private Investments Composition as of 06/30/26. (1) Includes Assets Under Management and Under Administration; (2) Represents select examples of investments made and is not representative of the portfolio as a whole. Personal Trust 27% Investment Advisory 46% Non-Managed AUA 12% IRAs 7% Brokerage 4% Other 4% Private Wealth Customer Assets Wealth Management Financial planning Discretionary investment management Strategic solutions for ultra-high net worth families Business succession & exit planning Brokerage & retirement plan services Asset Management Private equity investment access $18.8B Managed Assets (AUM) $2.5B Non-Managed Assets (AUA) $ in millions New Assets / Sales (1) Personal Trust & Custody Trust admin & personal custody Charitable foundation planning & administration Unique asset administration, including fine art Insurance settlements Trust tax preparation Private Investments Tailored capital solutions—including minority equity or subordinated debt to finance lower-middle market private businesses for long-term growth. Combines the strength of a seasoned, dedicated investment team with the deep resources of UMB Financial Corporation. Serves existing and prospective UMB Bank clients, cross-selling products and services. Active portfolio: 52 investments totaling ~$150mm $255mm+ of capital deployed to date Select examples of investments made: (2)

Institutional Banking Asset Servicing & Custody $622B $553B $545B $565B $543B Assets Under Administration / Custody (1) (1) Asset categories sum > total AUA due to shared client assets; (2) With Intelligence ’19, ’20, ’22, ‘23 and ’25; (3) Hedgeweek US Awards ’25; (4) Hedgeweek US Emerging Managers ’24 and Private Equity Wire ’25; (5) Global Custodian Industry Leaders Awards ’25; (6) Hedgeweek US Awards ‘23; (7) Private Credit US Awards ‘24. Transfer Agency Alternative Servicing Fund Acct/Admin. Custody Provides services for 2,500 funds, including registered and alternative investment funds, PE funds, real estate and venture capital funds and ETFs and more. One of the nation's leading providers of domestic and global custody, serving insurance companies, public and private corporations, nonprofits, municipalities, fund companies and endowments. Established in 1948. Net New Accounts June YTD Custody AUA +24.0% YoY +128 Registered Funds & Alternative Investments Institutional Custody Best Interval Fund Administrator (2) Best Fund Accounting and Reporting Software (3) Administrator of the Year – Technology (4) Custodian Service of the Year (7) Best Custodian (6) Innovation in Investor and Investment Data (5) +14.4% YoY Fund Services Private Credit AUA = ~$37B, or 5.9% of total 2Q’26 AUA

Institutional BankingCorporate Trust & Capital Markets Corporate Trust Provides trustee, paying agent and escrow services to municipal and corporate issuers nationwide. Specialty Trust & Agency Solutions Services for asset-backed securitizations, aviation and other transportation and real estate projects. Workout and successor trustee services on behalf of bondholders of defaulted transactions. Collateral administration for CLOs, credit funds, separate accounts and other portfolios of loans. Examples of recent deals: Products and services offered through UMB Bank Capital Markets Division NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED. Capital Markets Division Capital solutions including fixed income sales, trading and underwriting for institutional, municipal and not-for-profit organizations. Public Finance June YTD Closed Deals Trust & Escrow Services Paying Agent in U.S. #2 Municipal Trustee in U.S. (2) #3 (1) Source: Thomson Reuters, 4Q’25, by number of issues; (2) 1Q’26 rankings contained a reporting error that lowered our rank to #6. We believe this will be corrected in the pending June ‘26 YTD rankings. U.S. Municipal Rankings (1)

FDIC Sweep Assets Under Administration $44B Institutional BankingInvestor Solutions & Healthcare Services Investor Solutions Annual ACH Transactions Healthcare Services Provides a suite of tax-advantaged benefit accounts including Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs), and Commuter Benefit Accounts. HSA Account Holders 1.8mm In HSA Deposits (3) $3.2B Top 10 HSA Custodians in the U.S. (1) TOP 10 Benefit Cards 5.4mm ~122mm ~ 5.3 mm accounts for June 2026 Recognized for Investment Quality (1) Sample BaaS Partnerships Named a Top HSA for Features & Investment Options (2) (1) #6 in total number of accounts and #8 in total assets as of December 31, 2025 - Devenir Research Year-End ’25; (2) Investor’s Business Daily ’23; (3) End-of-period balances as of 06/30/26. Our banking as a service (BaaS) solution offers deposit services to financial institutions and fintechs, including checking, saving, investment accounts, and expanded FDIC insurance through our proprietary Sweep Program. In HSA Invested Assets (3) $2.0B

PaymentsCredit & Debit Card Products Card Purchase Volume & Interchange Trends 24th in U.S. Credit Card Purchase Volume (1) #24 $5.6 $5.6 $5.4 $5.4 $5.6 Interchange Income Consumer Credit Healthcare Debit Commercial Credit Inst. Cash Mgmt. Consumer Debit $5.6B 2Q ’26 Card Spend 13th in Number of Total U.S. Accounts (1) #13 +7.9% 10-year CAGR Purchase volume in billions; interchange in millions. (1) Rank in commercial, consumer and small business cards among top 50 Visa & Mastercard issuers in 2025. Source: Nilson Report, February 2026.

Long-Term Annual Performance Trends

Differentiated Revenue Profile Multiple Sources of Growth Net Interest Income Fee Income Provides Diversity 33% 57% 30% $ 1,283 $1,291 $1,468 $613 $1,462 $731 $588 $778 $671 $825 $879 $983 $849 $1,012 $971 $1,098 Total Revenue 20 Year CAGR 9.4% Revenue Growth Annual NII Growth Annual Revenue Growth 12% 12% 18% 10% 3% 2% 1% 9% 4% 5% 18% 20% 13% 9% 10% -1% 14% -0.4% 13% 4% 9% 9% 6% 18% 6% 3% 4% 11% 1% 3% 8% 20 Year CAGR 5.9% Fee Income Growth $816 $731 $914 $303 $920 $317 $275 $320 $311 $333 $412 $559 $350 $610 $495 $671 1% 22% Net Interest Income (before provision) Noninterest Income (1) (2) % fee income Peer Median % Fee Income (4) Dollars in millions. (1) Noninterest income prior to ‘17 contains income from discontinued operations; (2) Noninterest income included a $108.8mm pre-tax gain on TTCF shares in ‘20 and a $66.2mm pre-tax gain on the sale of Visa Class B shares in ‘22; (3) ‘25 reflects acquisition of Heartland Financial; (4) UMB peers (14 banks) as of latest available annual period. Source: S&P Capital IQ. $188 $233 $1,862 $217 $1,001 $1,629 $440 $522 $2,652 $472 63% 8% 7% 10% 11% 86% 5% 15% 7% 9% 20 Year CAGR 12.1% (3) (3)

7% Balance Sheet Growth Across All Business Cycles Average Loans (1) Average annual balance in billions. (1) Loan balances exclude PPP loans for ’20 – ’22. (2) ‘25 reflects acquisition of Heartland Financial; (3) UMB peers (14 banks), as of latest available annual period. Source: S&P Capital IQ. Average Deposits Annual Loan Growth 12% 19% 19% 5% 2% 6% 10% 10% 18% 12% 21% 19% 9% 7% 10% 20 Year CAGR 13.0% 8% 49% 13% 14% 9% 8% 19% 37% 26% 25% 1% 14% 16% 11% 14% 10% 20% 13% 6% 11% 9% 4% 7% 14% 24% 20 Year CAGR 12.6% 11% 56% 3% 7% 4% Conservative Loans / Deposits (%) 20-year Avg: 61% Annual Deposit Growth Average IB Deposits % DDA / Deposits Peer Median % DDA / Deposits (3) Average DDA $28.9 $23.2 $31.3 $7.6 $31.8 $9.6 $6.5 $10.5 $8.5 $11.9 $14.1 $15.9 $12.7 $17.0 $15.3 $19.3 $5.1 $5.7 $55.1 $5.5 $35.3 $15.8 $14.1 $18.8 $4.4 $22.3 $4.8 $4.2 $5.3 $4.5 $6.2 $8.4 $10.8 $7.0 $11.6 $10.0 $12.8 $3.1 $3.9 $36.1 $3.6 $24.2 (2) (2)

Resilient Credit Metrics Through All Economic Environments Net Charge-Offs / Average Loans Nonperforming Loans / Loans Industry (2) UMBF Peer Median (1) Industry (2) UMBF Peer Median (1) (1) UMB peers (14 banks), as of latest available annual period. Source: S&P Capital IQ; (2) All FDIC-insured banks, as of last available annual period. Source: FDIC. 0.23% ‘05 – ‘25 Average 0.27% ‘05 – ‘25 Average 0.38% 0.06% 0.62% 0.37% 0.53% 0.96%

Capital & LiquiditySupports Growth Outlook UMBF Peer Median (1) UMBF Peer Median (1) UMBF Peer Median (1) (1) UMB peers (14 banks), as of latest available annual period. Source: S&P Capital IQ; (2) Tangible equity and tangible assets are non-GAAP measures, reconciled on slide 51; (3) As defined by S&P Capital IQ: “Cash, cash equivalents, and investment securities/assets.” Tangible Equity / Tangible Assets (2) Peer Median TCE / Tang. Assets (1) UMBF Equity / Assets UMBF TCE / Tang. Assets (2) Common Equity Tier 1 Capital Ratio Equity / Assets Cash & Securities / Assets (3) Average Loans / Average Deposits 20% 15% 10% 5% 0% 100% 75% 50% 25% 0%

Risk-Adjusted Returns Rowing Close to Shore UMBF Peer Median (1) (1) UMB peers (14 banks), data as of latest available annual period. Source: S&P Capital IQ; (2) The numerator for the calculation of Return on Risk-Weighted Assets is GAAP net income, which included expenses related to the FDIC special assessment, recognized in 2023, 2024 and 2025. UMBF Peer Median (1) Risk-Weighted Assets / Assets Return on Risk-Weighted Assets (2)

Dividend Trends Sustained Growth (1) Dividends adjusted for 2-for-1 stock split in 2006. (2) Annualized 2026 full-year dividend assumes that the remaining quarterly dividend is declared at $0.50/share, consistent with the dividend declared in 3Q’26. The Board of Directors may declare dividends of different amounts in future quarters. Common Dividends Declared (1) FY ’26 = $1.86 (2) +14.1% vs. 2025 +304.3% annually 2006 – 2026 3Q ’26 = $0.50 +16.3% vs. 2Q ’26

OutperformanceBuilding Long-Term Value 20-Year Compounded Annual Growth Rates 2005 – 2025 UMBF KRX (2) Industry (4) Peer Median (3) Diluted Earnings Per Share Tangible Book Value Per Share (1) (1) Tangible book value per common share is a non-GAAP measure, reconciled on slide 52; (2) KBW Nasdaq Regional Bank Index (median of 46 banks with data reported for both 2005 and 2025); (3) UMB’s traditional peers (median of 14 banks); (4) Median of all publicly-traded banks with data reported for both 2005 and 2025. Peer, KRX & Industry source: S&P Capital IQ.

Appendix

Governance Our Board of Directors AC = Audit Committee; CC = Compensation Committee; GC = Governance Committee; RC = Risk Committee Advisory Directors Mariner Kemper Chairman of the Board Margaret Lazo CC, RC Susan Murphy AC, RC Tammy Peterman GC, RC Gordon Lansford AC (Chair), CC Robin Beery CC (Chair), RC K.C. Gallagher AC, RC Greg Graves Lead Independent Director, GC (Chair) Jenny Hopkins AC, RC Janine Davidson CC, GC Brad Henderson AC, RC Kris Robbins AC, RC (Chair) Josh Sosland GC, RC Leroy Williams CC, RC Tom Wood Jim Rine Vice Chairman

Forward-Looking Statements This presentation contains, and our other communications, may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder, which statements involve inherent risks and uncertainties. Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, results, or aspirations. All forward-looking statements are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Our actual future objectives, strategies, plans, prospects, performance, condition, or results may differ materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events, circumstances, or aspirations to differ from those in forward-looking statements are described in annual, quarterly and other applicable documents that are filed or furnished with the U.S. Securities and Exchange Commission (“SEC”). In addition to such factors that have been disclosed previously: risks related to current or future tariffs or trade restrictions, sanctions and other trade policies and the impact to UMB or its customers; macroeconomic and adverse developments and uncertainties related to the collateral effects of the collapse of, and challenges for, domestic and international banks, including the impacts to the U.S. and global economies; sustained levels of high inflation and the potential for an economic recession; and impacts related to or resulting from instability with respect to geopolitical developments, including in Venezuela, the Middle East and Russia’s military action in Ukraine, such as the broader impacts to financial markets and the global macroeconomic and geopolitical environments, may also cause actual results or other future events, circumstances, or aspirations to differ from our forward-looking statements. Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except to the extent required by applicable securities laws. You, however, should consult disclosures (including disclosures of a forward-looking nature) that we may make in any subsequent documents that are filed or furnished with the SEC. Any statements about UMB Financial Corporation’s (“UMB”) plans, objectives, expectations, strategies, beliefs, or future performance or events constitute forward-looking statements. Such statements are generally identified as those that include words or phrases such as “believes,” “expects,” “anticipates,” “plans,” “objective,” or similar expressions or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “may,” or similar expressions. Forward-looking statements involve known and unknown risks, uncertainties, assumptions, estimates, and other important factors that change over time and could cause actual results to differ materially from any results, performance, or events expressed or implied by such forward-looking statements. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially from those projected. Further information regarding UMB and factors which could affect the forward-looking statements contained herein can be found in UMB’s Form 10-K for the year ended December 31, 2025 (and which is available at on the SEC’s archive site, here,) and its other filings with the SEC.

Unaudited, dollars in thousands except per share data. (1) Calculated using marginal tax rate of 24.0%. Certain merger-related expenses are non-deductible. Non-GAAP Reconciliations The following are non-GAAP measures used from time to time. To the extent a non-GAAP measure is used in this presentation, a reconciliation to such measure’s closest GAAP equivalent is provided below. This information supplements the results that are reported according to GAAP and should not be viewed in isolation from, or as a substitute for, GAAP results. UMB believes that these measures may be useful to investors because they adjust for items that management does not believe reflect the Company’s fundamental operating performance. Definition and calculation for each metric shown below tables. Net Operating Income Available to Common Shareholders Net operating income available to common shareholders is defined as GAAP net income available to common shareholders, adjusted to exclude acquisitions and severance expenses, the FDIC special assessment, and the cumulative tax impact of these adjustments.

Non-GAAP Reconciliations Operating Pre-Tax, Pre-Provision Income Unaudited, dollars in thousands except per share data. Operating PTPP income for the relevant period is defined as GAAP net interest income plus GAAP noninterest income, less noninterest expense, adjusted to reflect the impact of excluding expenses related to acquisitions, severance expense, and the FDIC special assessment. Net interest income – FTE is defined as GAAP net interest income plus tax equivalent interest. Net Interest Income - FTE

Tangible common equity ratio is common shareholders’ equity, net of intangible assets, divided by total assets, net of intangible assets. Non-GAAP Reconciliations Unaudited, dollars in thousands. Tangible Common Equity Ratio Operating efficiency ratio is calculated as the company’s operating noninterest expense, net of amortization of other intangibles, divided by the company’s total non-GAAP revenue (calculated as net interest income plus noninterest income, less gains on sales of securities available for sale, net). Operating Efficiency Ratio

Non-GAAP Reconciliations Unaudited, dollars in thousands, except per share data. (1) Share count for December 31, 2005, adjusted for Company’s 2-for-1 stock split on May 31, 2006. Return on tangible common equity is calculated as net income available to common shareholders divided by the company's average tangible common shareholders' equity for the relevant period. Operating return on tangible common equity is calculated as net operating income available to common shareholders, divided by the company’s average tangible common shareholders’ equity. Return on Tangible Common Equity & Operating Return on Tangible Common Equity Tangible Book Value (“TBV”) Per Common Share Tangible book value per common share is defined as total common shareholders’ equity, net of intangible assets, divided by total common shares outstanding. (1)

Average Balances / Yields & Rates Tax-equivalent basis; Unaudited, dollars in thousands.

Our Peer Group ASB Associated Banc-Corp BOKF BOK Financial Corp. KEY KeyCorp COLB Columbia Banking System, Inc. HBAN Huntington Bancshares Inc. CFR Cullen/Frost Bankers, Inc. FHN First Horizon Corp. ONB Old National Bancorp PNFP Pinnacle Financial Partners SSB SouthState Corp. RF Regions Financial Corp. WAL Western Alliance Bancorporation WTFC Wintrust Financial Corp. ZION Zions Bancorporation

Exhibit 99.3

UMB Financial Corporation News Release

1010 Grand Boulevard

Kansas City, MO 64106

816.860.7000

umb.com

//FOR IMMEDIATE RELEASE//

Media Contact: Stephanie Hollander: 816.729.1027

Investor Relations Contact: Kay Gregory: 816.860.7106

UMB Financial Corporation Declares Common and Preferred Dividends;

Common Dividend Represents 16.3% Increase to $0.50 per common share

KANSAS CITY, Mo. (July 28, 2026) – UMB Financial Corporation (Nasdaq: UMBF) announced today that the board of directors has declared the following dividends:

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A quarterly dividend of $0.50 per share on the company’s common stock (UMBF), payable on October 1, 2026, to shareholders of record as of September 10, 2026, representing an increase of 16.3%, and

•

$193.75 per share of the Company's Series B 7.75% preferred stock (UMBFO), which results in a dividend of $0.484375 per depositary share. The preferred stock dividend is payable on October 15, 2026, to stockholders of record of the preferred stock as of the close of business on September 30, 2026.

About UMB: