Equibles

8-K

UMB FINANCIAL CORP (UMBF)

8-K 2025-04-29 For: 2025-04-29
View Original
Added on April 04, 2026

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): 4/29/2025

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 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A UMBFP 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 April 29, 2025, UMB Financial Corporation (the “Company”) issued a press release announcing the financial results for the Company for the quarter ended March 31, 2025. 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 April 30, 2025. 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 April 29, 2025, 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 Exhibit 99.1 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 April 29, 2025, the Company announced in the same press release that the Board of Directors of the Company had declared a quarterly dividend of $0.40 per share that is payable on July 1, 2025 to stockholders of record of the Company's common stock as of the close of business on June 10, 2025. The Board of Directors of the Company also declared a dividend of $175 per share of the Company's Series A 7.00% preferred stock, which results in a dividend of 0.4375 per depositary share. The preferred stock dividend is payable on July 15, 2025, to stockholders of record of the Company's preferred stock as of the close on business on June 30, 2025.

The Company also announced that the Board has authorized the repurchase of up to one million shares of the Company’s common stock from time to time until the meeting of the Board that immediately follows the 2026 annual meeting of the Company’s shareholders.

Item 9.01 Financial Statements and Exhibits

99.1 Press Release announcing financial results for the quarter ended March 31, 2025, and announcing dividend declaration and share repurchase.
99.2 Investor Presentation Materials, dated April 29, 2025.
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<br><br>Chief Financial Officer

Date: April 29, 2025

EX-99.1

Exhibit 99.1

img104034057_0.jpg

UMB Financial Corporation News Release

1010 Grand Boulevard

Kansas City, MO 64106

816.860.7000

umb.com

//FOR IMMEDIATE RELEASE//

Media Contact: Cynthia Simpson: 816.860.5637

Investor Relations Contact: Kay Gregory: 816.860.7106

UMB Financial Corporation Reports First Quarter 2025 Results

First Quarter 2025 Financial Highlights

  • On January 31, 2025, UMB Financial Corporation completed its merger with Heartland Financial USA, Inc.
  • GAAP net income available to common shareholders of $79.3 million, or $1.21 per diluted common share.
  • Net operating income available to common shareholders(i) of $168.9 million, or $2.58 per diluted common share.
  • Operating pre-tax, pre-provision (operating PTPP)(i) income of $233.3 million, compared to $157.5 million in the first quarter of 2024.
  • Net interest margin on a fully taxable equivalent basis of 2.96%, up 39 basis points from the linked quarter.
  • Efficiency ratio of 65.19% due to merger-related nonrecurring charges; operating efficiency ratio(i) of 55.56% improved from 61.12% in the prior quarter and 60.04% in the first quarter of 2024.
  • Average loans increased 27.8% on a linked-quarter basis to $32.3 billion; Average loans increased $9.0 billion, or 38.3% as compared to the first quarter of 2024.
  • End-of-period loans were $35.9 billion at March 31, 2025.
  • Average deposits increased 32.3% on a linked-quarter basis, to $50.3 billion.
  • End-of-period deposits were $58.5 billion at March 31, 2025.

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

KANSAS CITY, Mo. (April 29, 2025) – UMB Financial Corporation (Nasdaq: UMBF), a financial services company, announced net income available to common shareholders for the first quarter of 2025 of $79.3 million, or $1.21 per diluted share, compared to $120.0 million, or $2.44 per diluted share, in the fourth quarter (linked quarter) and $110.3 million, or $2.25 per diluted share, in the first quarter of 2024.

On January 31, 2025, UMBF completed its previously announced acquisition of Heartland Financial, USA, Inc. (HTLF). The acquisition added assets with a fair value of approximately $17.9 billion, $9.8 billion of loans, net of the allowance for credit losses, and $14.3 billion of deposits. The combined company retains its #1 deposit market share in Missouri and now ranks in the top 10 in Colorado, New Mexico, Kansas, and Arizona.

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 $168.9 million, or $2.58 per diluted share, for the first quarter of 2025, compared to $122.6 million, or $2.49 per diluted share, for the linked quarter and $120.7 million, or $2.47 per diluted share, for the first quarter of 2024. 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 $233.3 million, or $3.57 per diluted share, for the first quarter of 2025, compared to $166.9 million, or $3.39 per diluted share, for the linked quarter, and $157.5 million, or $3.22 per diluted share, for the first quarter of 2024. These operating PTPP results represent increases of 39.8% on a linked-quarter basis and 48.2% compared to the first quarter of 2024.

“2025 is off to an exciting start with strong first quarter financial results in addition to the completion of our acquisition of Heartland Financial in January,” said Mariner Kemper, UMB Financial Corporation chairman and chief executive officer. “The cultural integration of the acquisition as well as technology systems conversion plans, are on track. The value proposition of the core deposit franchise at HTLF was evident as demonstrated by the 37-basis points improvement in cost of interest-bearing deposits and 39-basis points increase in our net interest margin, compared to the linked quarter. Total top line loan production exceeded $1.2 billion in the first quarter, including early encouraging pipeline in the acquired markets. Excluding the impact of acquired balances, legacy UMB average loans in the first quarter of 2025 increased 8.3%, while average total deposits increased 27.3%, including an 11.2% increase in average demand deposit balances, all on a linked-quarter annualized basis."

First quarter 2025 earnings discussion

Summary of quarterly financial results UMB Financial Corporation
(unaudited, dollars in thousands, except per common share data)
Q1 Q4 Q1
2025 2024 2024
Net income (GAAP) $ 81,333 $ 119,997 $ 110,258
Net income available to common shareholders (GAAP) 79,320 119,997 110,258
Earnings per common share - diluted (GAAP) 1.21 2.44 2.25
Operating pre-tax, pre-provision income (Non-GAAP)(i) 233,293 166,901 157,451
Operating pre-tax, pre-provision earnings per common share - diluted (Non-GAAP)(i) 3.57 3.39 3.22
Operating pre-tax, pre-provision income - FTE (Non-GAAP)(i) 240,798 173,270 163,967
Operating pre-tax, pre-provision earnings per common share - FTE - diluted (Non-GAAP)(i) 3.68 3.52 3.35
Net operating income available to common shareholders (Non-GAAP)(i) 168,878 122,577 120,712
Operating earnings per common share - diluted (Non-GAAP)(i) 2.58 2.49 2.47
GAAP
Return on average assets 0.54 % 1.06 % 1.06 %
Return on average common equity 5.86 13.53 14.11
Efficiency ratio 65.19 61.83 63.44
Non-GAAP(i)
Operating return on average assets 1.14 % 1.08 % 1.16 %
Operating return on average common equity 12.47 13.82 15.44
Operating efficiency ratio 55.56 61.12 60.04

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

Summary of revenue UMB Financial Corporation
(unaudited, dollars in thousands)
Q1 Q4 Q1 CQ vs. CQ vs.
2025 2024 2024 LQ PY
Net interest income $ 397,639 $ 268,974 $ 239,434 $ 128,665 $ 158,205
Noninterest income:
Trust and securities processing 79,781 76,861 69,478 2,920 10,303
Trading and investment banking 5,911 6,185 5,462 (274 ) 449
Service charges on deposit accounts 27,457 21,405 20,757 6,052 6,700
Insurance fees and commissions 178 425 283 (247 ) (105 )
Brokerage fees 18,102 18,635 13,160 (533 ) 4,942
Bankcard fees 26,293 21,089 21,968 5,204 4,325
Investment securities (losses) gains, net (4,782 ) 593 9,371 (5,375 ) (14,153 )
Other 13,258 20,018 18,765 (6,760 ) (5,507 )
Total noninterest income $ 166,198 $ 165,211 $ 159,244 $ 987 $ 6,954
Total revenue $ 563,837 $ 434,185 $ 398,678 $ 129,652 $ 165,159
Net interest income (FTE) $ 405,144 $ 275,343 $ 245,950
Net interest margin (FTE) 2.96 % 2.57 % 2.48 %
Total noninterest income as a % of total revenue 29.5 38.1 39.9

Net interest income

  • First quarter 2025 net interest income totaled $397.6 million, an increase of $128.7 million, or 47.8%, from the linked quarter, driven primarily by the acquisition of HTLF during the first quarter of 2025, as well as legacy-UMB balance sheet growth.

  • Average earning assets increased $12.9 billion, or 30.3%, from the linked quarter, largely driven by the acquisition of HTLF. The acquisition added earning assets with a fair value of approximately $14.4 billion, including $9.8 billion of loans, net of the allowance for credit losses, and $3.7 billion of securities as of January 31, 2025. On a consolidated basis, there were increases of $7.0 billion in average loans, $2.5 billion in average securities, and $3.2 billion in interest-bearing due from banks as compared to the linked quarter.

  • Average interest-bearing liabilities increased $10.1 billion, or 33.6%, from the linked quarter, primarily driven by the acquisition of HTLF. The acquisition added interest-bearing deposits with a fair value of $10.6 billion and noninterest-bearing deposits of $3.9 billion as of January 31, 2025. On a consolidated basis, there was an increase of $9.5 billion in interest-bearing deposits, $442.4 million in federal funds and repurchase agreements, and $161.0 million in borrowed funds. Average noninterest-bearing demand deposits increased $2.8 billion, or 26.2%, as compared to the linked quarter.

  • Net interest margin for the first quarter was 2.96%, an increase of 39 basis points from the linked quarter, driven by higher loan and securities yields driven in large part by the net impact of purchase accounting accretion income on acquired assets and liabilities, the decreased cost of interest-bearing liabilities due to lower short-term interest rates and benefit of lower-cost HTLF interest-bearing deposits balances, and earning asset mix changes. Average loan yields increased 16 basis points and total earning asset yields increased 20 basis points from the linked quarter. The cost of interest-bearing liabilities decreased 35 basis points sequentially to 3.44%. Total cost of funds decreased 22 basis points from the linked quarter to 2.58%.

  • On a year-over-year basis, net interest income increased $158.2 million, or 66.1%, driven by a $15.7 billion, or 39.3%, increase in average earning assets, primarily driven by rate and mix

  • changes related to the acquisition of HTLF. Average loans increased $9.0 billion, interest bearing due from banks increased $3.5 billion, and average securities increased $2.9 billion.

  • Average deposits increased 50.0% compared to the first quarter of 2024. Average interest-bearing deposits increased 57.1% and noninterest-bearing demand deposit balances increased 33.4% compared to the first quarter of 2024. Average demand deposit balances comprised 26.7% of total deposits, compared to 28.0% in the linked quarter and 30.0% in the first quarter of 2024.

  • Average borrowed funds increased $161.0 million as compared to the linked quarter and decreased $1.6 billion as compared to the first quarter of 2024, driven by the acquisition of HTLF and the repayment of borrowings under the BTFP and FHLB advances, respectively.

Noninterest income

  • First quarter 2025 noninterest income increased $1.0 million, or 0.6%, on a linked-quarter basis, largely due to:

  • An increase of $6.1 million in service charges on deposits driven by increased service charge income on interest-bearing checking accounts, largely driven by the HTLF acquisition and increased corporate service charges income.

  • An increase of $5.2 million in bankcard income, driven by an additional $5.4 million of interchange income from legacy HTLF cards.

  • These increases were partially offset by the following decreases:

  • A decrease of $5.4 million in investment securities gains, primarily driven by decreased valuations in the company's non-marketable securities.

  • Decreases of $3.1 million in company-owned life insurance income and $1.4 million in derivative income, both recorded in other income. The decrease in company-owned life insurance was offset by a proportionate decrease in deferred compensation expense as noted below.

  • A decrease of $1.5 million in miscellaneous other income, driven by the gain of $4.1 million recorded during the linked quarter on the sale of UMB Distribution Services. During the first quarter of 2025, gains of $1.5 million were recorded for recoveries of loans previously charged off by HTLF and $0.9 million on legal settlements.

  • Compared to the prior year, noninterest income in the first quarter of 2025 increased $7.0 million, or 4.4%, primarily driven by:

  • Increases of $4.4 million in trust income, $3.6 million in fund services income, and $2.4 million in corporate trust income, all recorded in trust and securities processing.

  • An increase of $6.7 million in service charges on deposit accounts, primarily driven by increased service charge income on interest-bearing checking accounts, largely due to the HTLF acquisition and increased corporate service charges income.

  • Increases of $4.9 million in brokerage income due to higher 12b-1 fees and money market income and $4.3 million in bankcard income due to increased interchange income, partially offset by increased rebates and rewards expense.

  • These increases were offset by the following decreases:

  • A decrease of $14.2 million in investment securities gains, primarily driven by a net $8.6 million gain on disposition of two of the company's non-marketable securities in the first quarter of 2024, coupled with $5.3 million in decreased valuation in the company's non-marketable securities during the first quarter of 2025.

  • A decrease of $5.3 million in company-owned life insurance income, recorded in other income. The decrease in company-owned life insurance was offset by a proportionate decrease in deferred compensation expense as noted below.

Noninterest expense

Summary of noninterest expense UMB Financial Corporation
(unaudited, dollars in thousands)
Q1 Q4 Q1 CQ vs. CQ vs.
2025 2024 2024 LQ PY
Salaries and employee benefits $ 221,398 $ 161,062 $ 143,006 $ 60,336 $ 78,392
Occupancy, net 16,069 11,272 12,270 4,797 3,799
Equipment 16,948 15,312 16,503 1,636 445
Supplies and services 4,785 3,173 3,301 1,612 1,484
Marketing and business development 7,998 8,999 6,025 (1,001 ) 1,973
Processing fees 40,850 30,565 27,936 10,285 12,914
Legal and consulting 28,606 12,229 7,894 16,377 20,712
Bankcard 12,795 9,398 10,567 3,397 2,228
Amortization of other intangible assets 17,482 1,917 1,960 15,565 15,522
Regulatory fees 8,237 5,255 19,395 2,982 (11,158 )
Other 9,619 11,179 5,947 (1,560 ) 3,672
Total noninterest expense $ 384,787 $ 270,361 $ 254,804 $ 114,426 $ 129,983

  • GAAP noninterest expense for the first quarter of 2025 was $384.8 million, an increase of $114.4 million, or 42.3%, from the linked quarter and $130.0 million, or 51.0% from the first quarter of 2024. First quarter 2025 expenses included $53.2 million in total acquisition-related and other nonrecurring costs, compared to $3.7 million in the linked quarter. Operating noninterest expense, a non-GAAP financial measure reconciled later in this release to noninterest expense, the nearest comparable GAAP measure, was $330.5 million for the first quarter of 2025, an increase of $63.3 million, or 23.7%, from the linked quarter and an increase of $89.3 million, or 37.0%, from the first quarter of 2024.

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

  • An increase of $45.5 million in salaries and bonus expense, recorded in salaries and employee benefits, primarily driven by increased severance, retention bonuses, and change in control payments made to HTLF associates.

  • An increase of $16.3 million in payroll taxes, insurance, and 401(k) expense recognized in the first quarter in employee benefits expense due to the on-boarding of additional associates from HTLF, coupled with the seasonal increase in these expenses.

  • Increases of $16.4 million and $15.6 million in legal and consulting expense and amortization of intangibles, respectively, both driven by additional expense related to the acquisition. Legal and consulting expense includes $19.0 million of non-recurring transaction costs associated with the acquisition. Amortization of intangibles includes amortization of the core deposit intangible, customer list and purchased credit card relationship intangibles recognized in the first quarter from the HTLF acquisition.

  • An increase of $10.3 million in processing fees due to increased software subscription costs, of which $6.2 million is driven by legacy-HTLF expenses.

  • Increases of $4.8 million in occupancy expense, $3.4 million in bankcard expense and $3.0 million in regulatory fees expense. The increases in occupancy and bankcard expense were driven by higher volume of activity from the HTLF acquisition.

  • These increases were partially offset by a decrease of $1.8 million in deferred compensation expense, recorded in salaries and employee benefits. The decrease in deferred compensation expense was offset by the decrease in company-owned life insurance income noted above.

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

  • An increase of $71.6 million in salaries and bonus expense, recorded in salaries and employee benefits, primarily driven by increased severance, retention bonuses, and change in control payments made to HTLF associates, as well as higher bonus expense due to higher company performance for UMB-legacy associates.

  • An increase of $10.1 million in payroll taxes, insurance, and 401(k) expense recognized in the first quarter in employee benefits expense due to the on-boarding of additional associates from HTLF.

  • Increases of $20.7 million and $15.5 million in legal and consulting expense and amortization of intangibles, respectively, both driven by additional expense related to the acquisition. Legal and consulting expense includes $19.0 million of non-recurring transaction costs associated with the acquisition in the first quarter of 2025. Amortization of intangibles includes amortization of the core deposit intangible, customer list and purchased credit card relationship intangibles recognized in the first quarter from the HTLF acquisition.

  • An increase of $12.9 million in processing fees due to increased software subscription costs, of which $6.2 million is driven by legacy-HTLF expenses.

  • Increases of $3.8 million in occupancy expense and $2.2 million in bankcard expense driven by higher volume of activity from the HTLF acquisition.

  • Increases of $1.7 million in operational losses and $0.8 million in insurance expense, both recorded in other expense.

  • These increases were partially offset by the following decreases:

  • A decrease of $11.2 million in regulatory fees driven by reduced FDIC special assessment expense during 2025 as compared to 2024. The results for the first quarter of 2024 included $13.0 million in regulatory fees expense for the special assessment compared to $0.6 million during the first quarter of 2025.

  • A decrease of $4.5 million in deferred compensation expense, recorded in salaries and employee benefits. The decrease in deferred compensation expense was offset by the decrease in company-owned life insurance income noted above.

Income taxes

  • The company’s effective tax rate was 12.6% for the three months ended March 31, 2025, compared to 17.6% for the same period in 2024. The effective tax rate decreased primarily due to more favorable discrete tax items in 2025 as compared to 2024, including a favorable discrete tax benefit for the remeasurement of deferred tax assets due to an increase in the forecasted state marginal tax rate driven by the acquisition of HTLF. Additionally, there was an increase in excess

  • tax benefits associated with stock compensation recorded in the first quarter of 2025 compared to the same period a year earlier.

Balance sheet

  • Average total assets for the first quarter of 2025 were $60.0 billion compared to $45.0 billion for the linked quarter and $42.0 billion for the same period in 2024.
Summary of average loans and leases - QTD Average UMB Financial Corporation
(unaudited, dollars in thousands)
Q1 Q4 Q1 CQ vs. CQ vs.
2025 2024 2024 LQ PY
Commercial and industrial $ 12,761,998 $ 10,637,952 $ 9,942,457 $ 2,124,046 $ 2,819,541
Specialty lending 522,583 491,546 485,989 31,037 36,594
Commercial real estate 14,074,863 10,007,361 9,026,511 4,067,502 5,048,352
Consumer real estate 3,819,602 3,143,613 2,968,320 675,989 851,282
Consumer 264,467 177,341 154,062 87,126 110,405
Credit cards 689,645 630,373 489,546 59,272 200,099
Leases and other 176,539 201,602 287,158 (25,063 ) (110,619 )
Total loans $ 32,309,697 $ 25,289,788 $ 23,354,043 $ 7,019,909 $ 8,955,654
  • Average loans for the first quarter of 2025 increased $7.0 billion, or 27.8%, on a linked-quarter basis and $9.0 billion, or 38.3%, compared to the first quarter of 2024.
Summary of average securities - QTD Average UMB Financial Corporation
(unaudited, dollars in thousands)
Q1 Q4 Q1 CQ vs. CQ vs.
2025 2024 2024 LQ PY
Securities available for sale:
U.S. Treasury $ 1,397,844 $ 1,131,295 $ 1,127,611 $ 266,549 $ 270,233
U.S. Agencies 133,852 159,808 199,719 (25,956 ) (65,867 )
Mortgage-backed 5,303,047 4,200,465 3,595,619 1,102,582 1,707,428
State and political subdivisions 2,084,441 1,241,033 1,254,148 843,408 830,293
Corporates 317,378 321,939 341,142 (4,561 ) (23,764 )
Collateralized loan obligations 398,418 359,053 347,063 39,365 51,355
Total securities available for sale $ 9,634,980 $ 7,413,593 $ 6,865,302 $ 2,221,387 $ 2,769,678
Securities held to maturity:
U.S. Agencies $ 112,547 $ 116,316 $ 123,225 $ (3,769 ) $ (10,678 )
Mortgage-backed 2,492,446 2,542,385 2,707,780 (49,939 ) (215,334 )
State and political subdivisions 3,022,878 2,765,663 2,821,799 257,215 201,079
Total securities held to maturity $ 5,627,871 $ 5,424,364 $ 5,652,804 $ 203,507 $ (24,933 )
Trading securities $ 20,863 $ 25,224 $ 17,893 $ (4,361 ) $ 2,970
Other securities 586,866 466,545 478,805 120,321 108,061
Total securities $ 15,870,580 $ 13,329,726 $ 13,014,804 $ 2,540,854 $ 2,855,776
  • Average total securities increased 19.1% on a linked-quarter basis and increased 21.9% compared to the first quarter of 2024.
Summary of average deposits - QTD Average UMB Financial Corporation
(unaudited, dollars in thousands)
Q1 Q4 Q1 CQ vs. CQ vs.
2025 2024 2024 LQ PY
Deposits:
Noninterest-bearing demand $ 13,428,205 $ 10,637,616 $ 10,066,409 $ 2,790,589 $ 3,361,796
Interest-bearing demand and savings 33,991,906 25,367,316 20,701,659 8,624,590 13,290,247
Time deposits 2,864,408 2,012,287 2,758,064 852,121 106,344
Total deposits $ 50,284,519 $ 38,017,219 $ 33,526,132 $ 12,267,300 $ 16,758,387
Noninterest bearing deposits as % of total 26.7 % 28.0 % 30.0 %
  • Average deposits increased 32.3% on a linked-quarter basis and 50.0% compared to the first quarter of 2024.

Capital

Capital information UMB Financial Corporation
(unaudited, dollars in thousands, except per share data)
March 31, 2025 December 31, 2024 March 31, 2024
Total equity $ 6,748,434 $ 3,466,541 $ 3,152,816
Total common equity 6,637,730 3,466,541 3,152,816
Accumulated other comprehensive loss, net (492,698 ) (573,050 ) (594,538 )
Book value per common share 87.43 71.02 64.68
Tangible book value per common share (Non-GAAP)(i) 56.40 65.46 59.01
Regulatory capital:
Common equity Tier 1 capital $ 4,767,403 $ 3,802,257 $ 3,503,837
Tier 1 capital 4,878,108 3,802,257 3,503,837
Total capital 5,914,197 4,445,872 4,115,097
Regulatory capital ratios:
Common equity Tier 1 capital ratio 10.11 % 11.29 % 11.09 %
Tier 1 risk-based capital ratio 10.35 11.29 11.09
Total risk-based capital ratio 12.54 13.21 13.03
Tier 1 leverage ratio 8.47 8.50 8.39

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

  • Under the terms of the HTLF merger agreement, former HTLF shareholders received 0.55 shares of UMBF for each share of HTLF common stock, or 23.6 million UMBF shares.
  • On March 14, 2025, the company settled its previously announced forward sale arrangement which added $235.1 million in common equity and 3.2 million shares of common stock.
  • At March 31, 2025, 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)
Q1 Q4 Q3 Q2 Q1
2025 2024 2024 2024 2024
Net charge-offs - total loans $ 35,872 $ 8,935 $ 8,454 $ 2,856 $ 3,017
Net loan charge-offs as a % of total average loans 0.45 % 0.14 % 0.14 % 0.05 % 0.05 %
Loans over 90 days past due $ 6,346 $ 7,602 $ 7,133 $ 5,644 $ 3,076
Loans over 90 days past due as a % of total loans 0.02 % 0.03 % 0.03 % 0.02 % 0.01 %
Nonaccrual and restructured loans $ 100,885 $ 19,282 $ 19,291 $ 13,743 $ 17,756
Nonaccrual and restructured loans as a % of total loans 0.28 % 0.08 % 0.08 % 0.06 % 0.08 %
Provision for credit losses $ 86,000 $ 19,000 $ 18,000 $ 14,050 $ 10,000
  • Provision for credit losses for the first quarter increased $67.0 million from the linked quarter and $76.0 million from the first quarter of 2024. Provision in the first quarter of 2025 includes $62.0 million for Day 1 provision expense to establish an allowance for credit losses on those acquired HTLF loans that were designated as non-purchase credit deteriorated (non-PCD) at the close of the transaction. The remainder of the change in provision expense is driven largely by provision tied to the $681.3 million and $2.7 billion increases in period-end organic UMB loans, as compared to the linked quarter and prior year, respectively, as well as general portfolio trends in the current period as compared to the prior periods.
  • Net charge-offs for the first quarter totaled $35.9 million, or 0.45% of average loans, compared to $8.9 million, or 0.14% of average loans in the linked quarter, and $3.0 million, or 0.05% of average loans for the first quarter of 2024. Approximately $29.7 million of the net charge-offs in the first quarter of 2025 were related to loans acquired from HTLF. Excluding net charge-offs from acquired loans, net charge-offs on legacy UMB loans totaled $6.2 million, or only 0.10% of average loans.

Dividend Declaration and Share Repurchase Authorization

At the company’s quarterly board meeting, the Board of Directors declared a $0.40 per share quarterly cash dividend, payable on July 1, 2025, to stockholders of record of the company's common stock at the close of business on June 10, 2025. Additionally, the Board of Directors declared a dividend of $175 per share of the Company's Series A 7.00% preferred stock, which results in a dividend of $0.4375 per depositary share. The preferred stock dividend is payable on July 15, 2025, to stockholders of record of the preferred stock as of the close of business on June 30, 2025.

As in prior years, the Board also reviewed and approved the repurchase of up to 1,000,000 shares of the company’s common stock. Share repurchases may occur from time to time at any point until the regular meeting of the Board that immediately follows the 2026 annual meeting of the company’s shareholders. Shares acquired under the repurchase program may be available for reissuance or resale, including in connection with the company’s compensation plans and dividend reinvestment plan. Under the repurchase program, the company may acquire the shares from time to time in open market or privately negotiated transactions, at the discretion of management.

Conference Call

The company will host a conference call to discuss its first quarter 2025 earnings results on Wednesday, April 30, 2025, at 8:30 a.m. (CT).

Interested parties may access the call by dialing (toll-free) 833-470-1428 or (international) 404-975-4839 and requesting to join the UMB Financial call with access code 218749. The live call may also be accessed by visiting investorrelations.umb.com or by using the following link:

UMB Financial 1Q 2025 Conference Call

A replay of the conference call may be heard through May 14, 2025, by calling (toll-free) 866-813-9403 or (international) 929-458-6194. The replay access code required for playback is 301051. 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, 2024, 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, Missouri. 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, 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
(unaudited, dollars in thousands)
2024
ASSETS
Loans 35,936,281 $ 23,637,649
Allowance for credit losses on loans (368,922 ) (226,159 )
Net loans 35,567,359 23,411,490
Loans held for sale 5,099 4,415
Securities:
Available for sale 10,895,659 6,541,391
Held to maturity, net of allowance for credit losses 5,712,764 5,622,617
Trading securities 35,461 40,187
Other securities 647,152 473,434
Total securities 17,291,036 12,677,629
Federal funds sold and resell agreements 636,069 180,275
Interest-bearing due from banks 9,811,867 6,673,104
Cash and due from banks 917,450 356,963
Premises and equipment, net 391,147 231,918
Accrued income 308,103 221,447
Goodwill 1,798,451 207,385
Other intangibles, net 557,186 69,052
Other assets 2,063,546 1,309,697
Total assets 69,347,313 $ 45,343,375
LIABILITIES
Deposits:
Noninterest-bearing demand 18,431,854 $ 13,251,090
Interest-bearing demand and savings 36,898,898 21,018,911
Time deposits under 250,000 1,871,388 2,044,280
Time deposits of 250,000 or more 1,319,038 599,329
Total deposits 58,521,178 36,913,610
Federal funds purchased and repurchase agreements 2,559,983 2,225,474
Short-term debt — 1,800,000
Long-term debt 654,380 383,742
Accrued expenses and taxes 352,143 374,888
Other liabilities 511,195 492,845
Total liabilities 62,598,879 42,190,559
SHAREHOLDERS' EQUITY
Series A Fixed-Rate Reset Non-Cumulative Perpetual Preferred stock 110,705 —
Common stock 78,666 55,057
Capital surplus 3,993,662 1,127,806
Retained earnings 3,224,866 2,903,106
Accumulated other comprehensive loss, net (492,698 ) (594,538 )
Treasury stock (166,767 ) (338,615 )
Total shareholders' equity 6,748,434 3,152,816
Total liabilities and shareholders' equity 69,347,313 $ 45,343,375

All values are in US Dollars.

Consolidated Statements of Income UMB Financial Corporation
(unaudited, dollars in thousands except share and per share data)
Three Months Ended
March 31,
2025 2024
INTEREST INCOME
Loans $ 527,404 $ 385,566
Securities:
Taxable interest 98,296 61,111
Tax-exempt interest 29,963 25,333
Total securities income 128,259 86,444
Federal funds and resell agreements 6,952 3,062
Interest-bearing due from banks 74,985 44,688
Trading securities 370 305
Total interest income 737,970 520,065
INTEREST EXPENSE
Deposits 303,406 223,875
Federal funds and repurchase agreements 25,790 27,662
Other 11,135 29,094
Total interest expense 340,331 280,631
Net interest income 397,639 239,434
Provision for credit losses 86,000 10,000
Net interest income after provision for credit losses 311,639 229,434
NONINTEREST INCOME
Trust and securities processing 79,781 69,478
Trading and investment banking 5,911 5,462
Service charges on deposit accounts 27,457 20,757
Insurance fees and commissions 178 283
Brokerage fees 18,102 13,160
Bankcard fees 26,293 21,968
Investment securities (losses) gains, net (4,782 ) 9,371
Other 13,258 18,765
Total noninterest income 166,198 159,244
NONINTEREST EXPENSE
Salaries and employee benefits 221,398 143,006
Occupancy, net 16,069 12,270
Equipment 16,948 16,503
Supplies and services 4,785 3,301
Marketing and business development 7,998 6,025
Processing fees 40,850 27,936
Legal and consulting 28,606 7,894
Bankcard 12,795 10,567
Amortization of other intangible assets 17,482 1,960
Regulatory fees 8,237 19,395
Other 9,619 5,947
Total noninterest expense 384,787 254,804
Income before income taxes 93,050 133,874
Income tax expense 11,717 23,616
NET INCOME 81,333 110,258
Less: Preferred dividends 2,013 —
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 79,320 $ 110,258
PER SHARE DATA
Net income per common share – basic $ 1.22 $ 2.27
Net income per common share – diluted 1.21 2.25
Dividends per common share 0.40 0.39
Weighted average common shares outstanding – basic 65,063,262 48,663,515
--- --- ---
Weighted average common shares outstanding – diluted 65,496,058 48,920,863
Consolidated Statements of Comprehensive Income UMB Financial Corporation
--- --- --- --- --- --- ---
(unaudited, dollars in thousands)
Three Months Ended
March 31,
2025 2024
Net income $ 81,333 $ 110,258
Other comprehensive income (loss), before tax:
Unrealized gains and losses on debt securities:
Change in unrealized holding gains and losses, net 76,235 (41,553 )
Less: Reclassification adjustment for net gains included in net income (390 ) (139 )
Amortization of net unrealized loss on securities transferred from available-for-sale to held-to-maturity 8,290 8,789
Change in unrealized gains and losses on debt securities 84,135 (32,903 )
Unrealized gains and losses on derivative hedges:
Change in unrealized gains and losses on derivative hedges, net 22,646 (13,658 )
Less: Reclassification adjustment for net gains included in net income (24 ) (3,660 )
Change in unrealized gains and losses on derivative hedges 22,622 (17,318 )
Other comprehensive income (loss), before tax 106,757 (50,221 )
Income tax (expense) benefit (26,405 ) 12,618
Other comprehensive income (loss) 80,352 (37,603 )
Comprehensive income $ 161,685 $ 72,655
Consolidated Statements of Shareholders' Equity UMB Financial Corporation
--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---
(unaudited, dollars in thousands except per share data)
Common Stock Capital Surplus Retained Earnings Accumulated Other Comprehensive (Loss) Income Treasury Stock Total
Balance - January 1, 2024 — $ 55,057 $ 1,134,363 $ 2,810,824 $ (556,935 ) $ (342,890 ) $ 3,100,419
Total comprehensive income (loss) — — — 110,258 (37,603 ) — 72,655
Dividends (0.39 per share) — — — (17,976 ) — — (17,976 )
Purchase of treasury stock — — — — — (7,537 ) (7,537 )
Issuances of equity awards, net of forfeitures — — (10,964 ) — — 11,667 703
Recognition of equity-based compensation — — 4,271 — — — 4,271
Sale of treasury stock — — 70 — — 60 130
Exercise of stock options — — 66 — — 85 151
Balance - March 31, 2024 — $ 55,057 $ 1,127,806 $ 2,903,106 $ (594,538 ) $ (338,615 ) $ 3,152,816
Balance - January 1, 2025 — $ 55,057 $ 1,145,638 $ 3,174,948 $ (573,050 ) $ (336,052 ) $ 3,466,541
Total comprehensive income — — — 81,333 80,352 — 161,685
Cash dividends declared:
Preferred dividends (175.00 per share) — — — (2,013 ) — — (2,013 )
Common dividends (0.40 per share) — — — (29,402 ) — — (29,402 )
Purchase of treasury stock — — — — — (15,434 ) (15,434 )
Issuances of equity awards, net of forfeitures — — (15,595 ) — — 16,395 800
Recognition of equity-based compensation — — 32,419 — — — 32,419
Sale of treasury stock — — 116 — — 60 176
Exercise of stock options — — 126 — — 179 305
Common stock issuance — — 67,056 — — 168,085 235,141
Stock issuance for acquisition, net of issuance costs 110,705 23,609 2,763,902 — — — 2,898,216
Balance - March 31, 2025 110,705 $ 78,666 $ 3,993,662 $ 3,224,866 $ (492,698 ) $ (166,767 ) $ 6,748,434

All values are in US Dollars.

Average Balances / Yields and Rates UMB Financial Corporation
(tax - equivalent basis)
(unaudited, dollars in thousands)
Three Months Ended March 31,
2025 2024
Average Average Average Average
Balance Yield/Rate Balance Yield/Rate
Assets
Loans, net of unearned interest $ 32,309,697 6.62 % $ 23,354,043 6.64 %
Securities:
Taxable 11,728,148 3.40 9,264,789 2.65
Tax-exempt 4,121,569 3.68 3,732,122 3.42
Total securities 15,849,717 3.47 12,996,911 2.87
Federal funds and resell agreements 555,805 5.07 206,443 5.97
Interest bearing due from banks 6,808,680 4.47 3,304,142 5.44
Trading securities 20,863 7.56 17,893 7.33
Total earning assets 55,544,762 5.44 39,879,432 5.31
Allowance for credit losses (320,371 ) (222,116 )
Other assets 4,752,484 2,360,092
Total assets $ 59,976,875 $ 42,017,408
Liabilities and Shareholders' Equity
Interest-bearing deposits $ 36,856,314 3.34 % $ 23,459,723 3.84 %
Federal funds and repurchase agreements 2,692,907 3.88 2,384,754 4.67
Borrowed funds 570,427 7.92 2,183,494 5.36
Total interest-bearing liabilities 40,119,648 3.44 28,027,971 4.03
Noninterest-bearing demand deposits 13,428,205 10,066,409
Other liabilities 861,375 779,510
Shareholders' equity 5,567,647 3,143,518
Total liabilities and shareholders' equity $ 59,976,875 $ 42,017,408
Net interest spread 2.00 % 1.28 %
Net interest margin 2.96 2.48
Business Segment Information UMB Financial Corporation
--- --- --- --- --- --- --- --- --- ---
(unaudited, dollars in thousands)
Three Months Ended March 31, 2025
Commercial Banking Institutional Banking Personal Banking Total
Net interest income $ 273,916 $ 61,159 $ 62,564 $ 397,639
Provision for credit losses 66,751 435 18,814 86,000
Noninterest income 37,218 103,797 25,183 166,198
Noninterest expense 173,011 107,268 104,508 384,787
Income (loss) before taxes 71,372 57,253 (35,575 ) 93,050
Income tax expense (benefit) 8,987 7,210 (4,480 ) 11,717
Net income (loss) $ 62,385 $ 50,043 $ (31,095 ) $ 81,333
Three Months Ended March 31, 2024
Commercial Banking Institutional Banking Personal Banking Total
Net interest income $ 157,982 $ 49,125 $ 32,327 $ 239,434
Provision for credit losses 7,765 234 2,001 10,000
Noninterest income 43,978 91,704 23,562 159,244
Noninterest expense 95,255 97,541 62,008 254,804
Income (loss) before taxes 98,940 43,054 (8,120 ) 133,874
Income tax expense (benefit) 16,762 7,733 (879 ) 23,616
Net income (loss) $ 82,178 $ 35,321 $ (7,241 ) $ 110,258

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 March 31, 2025.

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 March 31,
2025 2024
Net income available to common shareholders (GAAP) $ 79,320 $ 110,258
Adjustments:
Day 1 acquisition provision expense 62,037 —
Acquisition expense 53,169 431
Severance expense 445 146
FDIC special assessment 629 13,000
Tax-impact of adjustments (i) (26,722 ) (3,123 )
Total Non-GAAP adjustments (net of tax) 89,558 10,454
Net operating income (Non-GAAP) $ 168,878 $ 120,712
Earnings per common share - diluted (GAAP) $ 1.21 $ 2.25
Day 1 acquisition provision expense 0.95 —
Acquisition expense 0.81 0.01
Severance expense 0.01 —
FDIC special assessment 0.01 0.27
Tax-impact of adjustments (i) (0.41 ) (0.06 )
Operating earnings per common share - diluted (Non-GAAP) $ 2.58 $ 2.47
GAAP
Return on average assets 0.54 % 1.06 %
Return on average common equity 5.86 14.11
Non-GAAP
Operating return on average assets 1.14 % 1.16 %
Operating return on average common equity 12.47 15.44

(i) Calculated using the company’s marginal tax rate of 24.0% for 2025 and 23.0% for 2024. 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 March 31,
2025 2024
Noninterest expense $ 384,787 $ 254,804
Adjustments to arrive at operating noninterest expense (pre-tax):
Acquisition expense 53,169 431
Severance expense 445 146
FDIC special assessment 629 13,000
Total Non-GAAP adjustments (pre-tax) 54,243 13,577
Operating noninterest expense (Non-GAAP) $ 330,544 $ 241,227
Noninterest expense $ 384,787 $ 254,804
Less: Amortization of other intangibles 17,482 1,960
Noninterest expense, net of amortization of other intangibles (Non-GAAP) (numerator A) $ 367,305 $ 252,844
Operating noninterest expense $ 330,544 $ 241,227
Less: Amortization of other intangibles 17,482 1,960
Operating expense, net of amortization of other intangibles (Non-GAAP) (numerator B) $ 313,062 $ 239,267
Net interest income $ 397,639 $ 239,434
Noninterest income 166,198 159,244
Less: Gains on sales of securities available for sale, net 390 139
Total Non-GAAP Revenue (denominator A) $ 563,447 $ 398,539
Efficiency ratio (numerator A/denominator A) 65.19 % 63.44 %
Operating efficiency ratio (Non-GAAP) (numerator B/denominator A) 55.56 60.04
Operating pre-tax, pre-provision income non-GAAP reconciliations: UMB Financial Corporation
--- --- --- --- ---
(unaudited, dollars in thousands except per share data)
Three Months Ended March 31,
2025 2024
Net interest income (GAAP) $ 397,639 $ 239,434
Noninterest income (GAAP) 166,198 159,244
Noninterest expense (GAAP) 384,787 254,804
Adjustments to arrive at operating noninterest expense:
Acquisition expense 53,169 431
Severance expense 445 146
FDIC special assessment 629 13,000
Total Non-GAAP adjustments 54,243 13,577
Operating noninterest expense (Non-GAAP) 330,544 241,227
Operating pre-tax, pre-provision income (Non-GAAP) $ 233,293 $ 157,451
Net interest income earnings per common share - diluted (GAAP) $ 6.07 $ 4.89
Noninterest income (GAAP) 2.54 3.26
Noninterest expense (GAAP) 5.87 5.21
Acquisition expense 0.81 0.01
Severance expense 0.01 —
FDIC special assessment 0.01 0.27
Operating pre-tax, pre-provision earnings per common share - diluted (Non-GAAP) $ 3.57 $ 3.22
Operating pre-tax, pre-provision income - FTE Non-GAAP reconciliations: UMB Financial Corporation
--- --- --- --- ---
(unaudited, dollars in thousands except per share data)
Three Months Ended March 31,
2025 2024
Net interest income (GAAP) $ 397,639 $ 239,434
Adjustments to arrive at net interest income - FTE:
Tax equivalent interest 7,505 6,516
Net interest income - FTE (Non-GAAP) 405,144 245,950
Noninterest income (GAAP) 166,198 159,244
Noninterest expense (GAAP) 384,787 254,804
Adjustments to arrive at operating noninterest expense:
Acquisition expense 53,169 431
Severance expense 445 146
FDIC special assessment 629 13,000
Total Non-GAAP adjustments 54,243 13,577
Operating noninterest expense (Non-GAAP) 330,544 241,227
Operating pre-tax, pre-provision income - FTE (Non-GAAP) $ 240,798 $ 163,967
Net interest income earnings per common share - diluted (GAAP) $ 6.07 $ 4.89
Tax equivalent interest 0.11 0.13
Net interest income - FTE (Non-GAAP) 6.18 5.02
Noninterest income (GAAP) 2.54 3.26
Noninterest expense (GAAP) 5.87 5.21
Acquisition expense 0.81 0.01
Severance expense 0.01 —
FDIC special assessment 0.01 0.27
Operating pre-tax, pre-provision income - FTE earnings per common share - diluted (Non-GAAP) $ 3.68 $ 3.35
Tangible book value non-GAAP reconciliations: UMB Financial Corporation
--- --- --- --- ---
(unaudited, dollars in thousands except share and per share data)
As of March 31,
2025 2024
Total common shareholders' equity (GAAP) $ 6,637,730 $ 3,152,816
Less: Intangible assets
Goodwill 1,798,451 207,385
Other intangibles, net 557,186 69,052
Total intangibles, net 2,355,637 276,437
Total tangible common shareholders' equity (Non-GAAP) $ 4,282,093 $ 2,876,379
Total common shares outstanding 75,917,456 48,743,348
Ratio of total common shareholders' equity (book value) per share $ 87.43 $ 64.68
Ratio of total tangible common shareholders' equity (tangible book value) per share (Non-GAAP) 56.40 59.01

Slide 1

1st Quarter 2025 Update April 29, 2025

Slide 2

Presentation Index Corporate Overview & Investment Thesis 1st Quarter 2025 Results Long-Term Performance Trends Appendix 3 13 30 41 49 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 51 for important disclosures about information contained in this presentation. Peer Group Acquisition Update 8 Line of Business Updates

Slide 3

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 195 banking centers – 91 legacy UMBF + 104 Legacy HTLF (4) 350 ATMs – 235 legacy UMBF + 115 Legacy HTLF UMB Bank Presence & Expansion UMB Financial Corporation Headquarters Highlights At, or for the 3 months ended 03/31/25. (1) Includes $17.6B in managed assets and $2.4B in Assets Under Administration for Private Wealth customers; (2) Includes AUA in Fund Services / custody, corporate trust and Healthcare Services; (3) Operating ROATCE is a non-GAAP measure, reconciled on slide 55; 4) 195 physical locations licensed with the OCC, including 193 retail branches plus 2 commercial or private banking centers; (5) UMB Bank, n.a. Capital Markets Division.

Slide 4

Business Model Our Diverse Foundation Commercial & Personal Banking Services 1Q‘25 Revenue: $398.9 million. 1Q‘25 Average Deposits: $33.7 billion Average loans: $4.1B (1) (2) Average deposits: $11.0B Retail deposit and lending services through 195 banking centers (3) and online Private banking services Consumer mortgage AUM = $17.6B AUA = $2.4B 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 and Construction lending Specialized Expertise: Average loans: $27.5B (1) Average deposits: $22.7B Agribusiness Energy Practice finance Franchise lending Mezzanine debt and equity investments Commercial Consumer Private Wealth Institutional Banking Services 1Q’25 Revenue: $164.9 million. 1Q‘25 Average Deposits: $16.6 billion Institutional Banking provides solutions for the entire marketplace; $558.9 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 Asset-based lending Beverage Healthcare lending Treasury management Merchant payments Retirement plan services Metrics at, or for quarter ended, 03/31/25 (1) Excludes credit card; (2) Includes consumer plus residential real estate loans; (3) 195 physical locations licensed with the OCC, including 193 retail branches plus 2 commercial or private banking centers; (4) Includes AUA in Fund Services/custody, corporate trust and Healthcare Services; (5) Products offered through UMB Bank Capital Markets Division: NOT FDIC INSURED | MAY LOSE VALUE  | NOT BANK GUARANTEED. [Newly acquired businesses]

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Investment Thesis Opportunity 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 5% of total deposits Long-tenured relationships: 52% of deposit accounts have been with us for more than 10 years and account for ~44% of deposit balances (1) (2) Flexible balance sheet well-positioned for changing interest rate environments Above peer earning asset growth Lower loan-to-deposit ratio provides flexibility 27% of average deposit balances in DDA Focus on returning value to shareholders; risk-adjusted returns EPS and tangible book value growth outpace 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 24 years with UMB Chief Credit Officer – 39 years with UMB Variable asset base $1.8 billion of securities cash flow expected within 12 months Ample liquidity sources and regulatory capital levels Access to multiple contingent funding sources Strong capital generation through earnings accretion (1) Includes only legacy UMB deposit accounts for 1Q’25; (2) Average collected balances for March 2025; excludes CDs, health savings and FinTech deposits.

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Beyond Financials Our 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.

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Beyond Financials Our Commitment to Corporate Citizenship Read our 2024 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 fostering a workplace that embraces the diversity of our society. Eight Business Resource Groups help us understand the needs of our associates, customers and communities and turn empathy into action. In 2024, 29% of all legacy UMB hires were people of color, 49% were women and 2% were veterans. 47% of our executive leadership team are women and/or people of color. (1) 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 16-person board of directors, with 15 independent members, a lead independent director, and 100% independence on board committees. (1) 44% board diversity, including 6 female directors. (1) Robust risk oversight with distinct risk management committees: enterprise risk, asset and liability, and credit. Board oversight of the executive ESG Committee. Community Impact $5.5mm in community support in 2024, which included housing needs, the arts, agriculture, small business, and education. More than 800 associates participated in our matching gift program; combined with workplace giving, associated giving totaled nearly $610k. Associates receive 16 hours of paid Volunteer Time Off annually. 661 participants logged more than 8,300 hours of volunteer time in 2024, supporting 346 unique charities. UMB’s School of Economics held 140 sessions in 2024, reaching more than 8,000 students. Interactive education experiences help build financial skills and literacy. 85 UMB locations use automated systems to conserve energy. More than 136k Kilowatt hours generated from solar panels across our properties and exterior lighting upgrades saved 1.7mm Kilowatt hours in 2024. 2024 recycling efforts produced > 10 tons of comingled recycling, nearly 7 tons of cardboard and 443 pounds of recycled batteries. Beehives housed at a Denver branch support the local honeybee population, with a peak of 250k resident bees across 6 colonies. Since installation, we’ve harvested 390 pounds of edible honey. (1) Updated to include new Board and executive team composition post-closing of HTLF acquisition.

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Acquisition Update

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Closed acquisition of HTLF on January 31, 2025 Executed forward equity agreement on March 14, 2025; issued 3.2mm shares, proceeds of $235mm Added $14.3 billion of HTLF customer deposits at close Demonstrated value proposition of HTLF’s core deposit franchise Combined interest-bearing deposit costs improved 37 basis points from 4Q’24 Net interest margin increased 39 basis points from 4Q’24 Attractive average loan-to-deposit ratio of 64% in March ’25 ~800 basis points improvement in reported insured deposit ratio driven by HTLF’s granular core deposit base Expanded consumer presence with increases of 78% in deposits and 114% in retail branch network Added $4.1B in private wealth customer assets Reported CET1 of 10.11% as of March 31, 2025, consistent with our expectations at announcement; total risk-based capital = 12.54% Announced cost synergies and one-time merger expenses remain on track Systems conversion program in progress; targeted for October 2025 Midwest & Southwest Banking Franchise Highlights Missouri Kansas Colorado New Mexico Arizona TOP 10 Deposit Market Share $69.3B Assets 13 Total States UMBF + HTLF

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Purchase Accounting & Amortization Impacts Estimate at Announcement Purchase Accounting Adjustments Actual at Close Net Interest Income Accretion Non-interest Expense Amortization (1) Loan marks at close include rate mark of $422.1mm and non-PCD credit mark of $62.0mm; (2) Includes $26.0mm related to wealth management, straight-line amortization over 7 years, and $10.9mm related to purchased credit card relationships, straight-line amortization over 3 years; (3) Amount recognized in 1Q’25 included $2.8mm in accelerated accretion from early payoffs of acquired loans and $24.1mm in contractual mark accretion; (4) The AFS remaining balance was impacted by the removal of net unaccreted discounts related to bonds sold in March 2025; (5) 10-year sum-of-years digits amortization. $ in millions $ in millions $ in millions

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Income Statement – Acquisition Adjustments 1Q ‘25 Reported Adjustments 1Q ‘25 Adjusted $ in millions (1) (1) Net interest income accretion details on page 10; (2) Amortization of CDI and other intangibles of $15.6mm (see page 10) and $53.2mm in one-time costs; (3) Non-PCD provision of $62.0mm under CECL. (2) (3) 1Q ‘25 Net Interest Margin $ in millions

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Projected Acquisition Accounting Impact Contractual Accretion (1) (1) Projections updated quarterly, assume no prepayments and are subject to change. $28.6 million recognized in 1Q ‘25 Includes accretion on acquired loans, securities, time deposits and borrowings $ in millions

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1st Quarter 2025 Financial Review

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(1) Net gains/losses on any disposition or impairment of debt securities + mark-to-market valuations of equity investments; (2) Operating noninterest exp and operating PTPP income / EPS are non-GAAP measures, reconciled on slide 53; (3) Net op. income available to common is a non-GAAP measure, reconciled on slide 52. (4) Op. efficiency ratio is a non-GAAP measure, reconciled on slide 54. 1Q 2025 Results At-A-Glance 4Q ‘24 1Q ‘25 1Q ‘24 Notes $ in millions, except per share amounts

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1Q 2025 Earnings Highlights $166.9 $233.3 $157.5 $146.8 $154.6 Dollars in millions, except per share amounts. (1) Net operating income available to common is a non-GAAP measure, reconciled on slide 52; (2) Operating PTPP income and EPS is a non-GAAP measure, reconciled on slide 53; (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 Op. EPS / common share (1) Adjustments to Net Income (1) $110.4 $122.6 $168.9 $120.7 $105.9 Net Income & Net Op. Income Available to Common (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)

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Revenue Trends Columns may not sum due to rounding differences. (1) Percentage comparisons to prior periods will be impacted in 1Q’25 and subsequent periods by the mid-quarter closing of the HTLF acquisition. 1Q ‘24 2Q ‘24 3Q ‘24 4Q ‘24 1Q ‘25 Linked-Quarter (1) $ ∆ $ in millions

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Net Interest Income & Margin 1Q ‘24 2Q ‘24 3Q ‘24 4Q ‘24 1Q ‘25 NII, ex. PAA NII from PAA Reported NIM NIM ex. PAA $397.6 $239.4 $245.1 $247.4 $269.0 $ in millions $ in millions

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Noninterest income increased $1.0mm to $166.2mm for 1Q‘25 1Q’25 results included two months of HTLF operations Investment security valuations decreased $5.4mm from 4Q’24 Income from company-owned life insurance (“COLI”) decreased $3.1mm linked quarter COLI income was $(1.6)mm in 1Q‘25, compared to $1.5mm in 4Q‘24, and $3.7mm in 1Q‘24 Variances are offset by a proportionate change in deferred compensation expense in salaries and benefits expense Additionally, within other income, derivative income declined $1.4mm; The prior period contained a gain of $4.1mm on the sale of UMB Distribution Services Noninterest Income Fee Income / Revenue Peer Median Fee Income / Revenue (1) (1) UMB peers (15 banks), data as of latest available quarter. Source: S&P Capital IQ. (2) Columns and rows may not sum due to rounding differences. (2) Percentage comparisons to prior periods will be impacted in 1Q’25 and subsequent periods by the mid-quarter closing of the HTLF acquisition. Investment Securities Gains (Losses) Brokerage Fees Trust / Securities Processing Bankcard Fees Trading / Invest. Banking Other Income Deposit Svc. Charges. $165.2 $166.2 $159.2 $144.9 $158.7 Composition / Changes in Inv. Securities Gains (Losses) and Trust & Securities Processing (2) Current Quarter Commentary $ in millions $ in millions $ in millions Linked-Quarter (2)

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Noninterest Expense (1) Percentage comparisons to prior periods will be impacted in 1Q’25 and subsequent periods by the mid-quarter closing of the HTLF acquisition; (2) Columns may not sum due to rounding differences; (3) Operating noninterest expense is a non-GAAP metric, reconciled on slide 53. Noninterest expense increased $114.4mm to $384.8mm on a GAAP basis, impacted by the HTLF acquisition. On an operating basis, which excludes acquisition and severance expense and FDIC special assessments, noninterest expense was $330.5mm. (3) First quarter 2025 expense included $54.2mm in total merger-related and other nonrecurring costs, compared to $3.1mm in the linked quarter Other notable variances included: +$10.3mm in processing fees due to increased software subscription costs, of which $6.2mm was driven by the HTLF acquisition +$4.8mm in occupancy expense and +$3.4mm in bankcard expense, both driven by the additional HTLF activity These increases were partially offset by a decrease of $1.8mm deferred compensation expense Deferred compensation expense was $(489)k in 1Q‘25, $1.3mm in 4Q‘24, and $4.0mm in 1Q‘24 Variances are offset by a proportionate change in COLI income within noninterest income Current Quarter Commentary 1Q ‘24 2Q ‘24 3Q ‘24 4Q ‘24 1Q ‘25 Linked-Quarter (1) $ ∆ $ in millions

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$23,806 $ 24,387 $ 25,290 $ 32,310 Diversified Loan Portfolio (1) Percentage comparisons to legacy prior periods are not meaningful due to acquisition in 1Q’25; (2) Loans by region and as attributed to UMBF and HTLF are based on average balances for the month of March 2025. $ 23,354 1Q ‘24 4Q ‘24 1Q ‘25 6.28% Commercial R/E Asset-Based Lending C&I Residential R/E Consumer Construction Credit Card Average Loan Yield Loan Yield ex. PAA Linked-Quarter (1) $ ∆ Utah: 4% California: 4% Illinois: 3% Wisconsin: 2% Greater MO: 4% Kansas: 1% New Mexico: 2% Iowa: 2% Minnesota: 1% Nebraska: 1% Oklahoma: 1% Smaller Regions Legacy UMBF – 73% Legacy HTLF – 27% Kansas City 24% Colorado 18% Arizona 11% St. Louis 12% Texas: 10% Loans by Region (2) Shaded = acquired loans in shared states Avg. balances; $ in millions Average Loans for March 2025 $35.8 billion $ in millions

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Quarterly Loan Activity (1) Payoffs and paydowns include C&I and CRE loans. (2) Percentage of paydowns and payoffs impacted by acquired loan balances. (1) (1) 1Q ‘25 4Q ‘24 1Q ‘24 2Q ‘24 3Q ‘24 $ in millions (2)

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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 $35.9 Allowance for Credit Losses on Loans ACL / Total Loans $100.9 0.10% NCOs - legacy UMBF NCOs / Avg. Loans NCOs – acq. loans NCOs / Avg. Loans, ex. acq. NPLs – legacy UMBF NPLs / Total Loans NPLs – acquired loans NPLs / Loans, ex. acq. 0.08% $73.2 Delinq. - legacy UMBF Delinq. / Loans Delinq. – acquired loans Delinq. / Loans, ex. acq. 0.07% $368.9

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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 1Q ‘25 4Q ‘24 1Q ‘24 2Q ‘24 3Q ‘24

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Allowance for Credit Losses Loans, Leases and HTM Securities $ in millions

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High-Quality Investment Portfolio $7,414 $9,635 $6,865 $6,651 $5,424 $5,628 $5,653 $5,575 $5,499 Average balances - $ in millions Average Blended Yield Treasuries Corp. & Commercial Paper GNMA/GSE Mortgage-Backed GSE Agencies General Obligation Municipals Revenue Bonds Collateralized Loan Obligations $6,778 (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 Available-for-Sale (1) Held-to-Maturity (1)

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Securities Portfolio Statistics Amortized Cost Fair Value Net Unrealized Loss $ in millions; as of 03/31/25 (1) Purchase activity, cash flow and duration excludes HTM industrial revenue bonds; (2) Purchases for roll-off and overbuy, net of purchases related to sales/trades or short-term collateral needs; (3) Amounts and yields exclude impact of collateral-related short-term securities as noted in previous quarters. Securities Portfolio Activity (1) $ in millions Pre-purchases of U.S. Treasuries and agency mortgage-backed securities related to the planned de-levering of certain bonds held by HTLF at closing: 3Q’24 – $125 million 4Q’24 – $848 million 1Q’25 – $387 million

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Diversified Deposit Mix $38,017 $33,526 $34,341 $35,292 Commercial Personal Institutional Commercial Banking 46% Consumer & Private Wealth 23% Capital Markets & Corp. Trust 8% Healthcare Services 6% Fund Services 7% Investor Solutions 10% 29% 27% 28% 27% 30% (1) Deposits by line of business and as attributed to UMBF and HTLF are based on average balances for the month of March 2025; (2) Percentage comparisons to legacy prior periods are not meaningful due to acquisition in 1Q’25. $50,285 Interest-Bearing Demand & Savings Demand Deposits Time Deposits DDA / total deposits Deposits by Line of Business (1) Average Total Deposit Cost 1Q ‘24 4Q ‘24 1Q ‘25 Linked-Quarter (2) $ ∆ Legacy UMBF – 74% Legacy HTLF – 26% Avg. balances; $ in millions Avg. balances; $ in millions Average Deposits for March 2025 $55.7 billion

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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 67% of total end-of-period loans, or ~ $24.1B, are variable. 71% of total loans reprice within the next 12 months. Of variable loans - % tied to indices for next 12 months: Year 2 Year 1 - 300 - 200 - 100 + 100 Shock Scenario Year 2 Year 1 70% - 1-Month SOFR 83% adjust monthly 9% adjust daily 7% - other 23% - Prime 22% adjust monthly 61% adjust daily 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 Floor Contracts – indexed to 1 Month SOFR; 4–6-year terms Interest Rate Floor Spreads Ten floor spreads; aggregate notional value of $2.375B Weighted average rate: 4.84% / 2.37% Impact to Net Interest Income Loan Maturities & Repricing Cash Flow Hedges of Interest Rate Risk

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Capital & Liquidity Position As of March 31, 2025 $ in billions CET 1 Total Capital Tier 1 Leverage Regulatory Capital Ratios Tangible Common Equity Ratio (1) 6.39% Total Common Equity / Total Assets 9.57% 6.50% 10.00% 5.00% (1) Tangible common equity and tangible common equity ratio are non-GAAP measures, reconciled on slide 54. 12.54% 10.11% 8.47% Strong Capital Balance Sheet Liquidity Trends Available Liquidity Sources $4.0B $7.4B $3.5B $3.7B $3.9B 13.3% 8.8% 9.3% 9.5% 9.4% 8.4% Fed funds & resell agreements Int-bearing due from banks % of average earning assets $ billions Pre- pandemic $2.1B UMBF ratio “Well Capitalized” 10.35% 6.00% Tier 1

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Line of Business Updates

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Commercial Banking Commercial 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 56% Investment Real Estate 24% Sm./Med Biz 5% Specialized Verticals 15% $30.8B (1) Average loan balances for March 2025, excluding credit card; (2) Rank among U.S. Visa and Mastercard Commercial Card Issuers, Source: Nilson Report, May ‘24; (3) “Production ag lending” per ABA 4Q 2024, FDIC data; (4) Estimated based on 4Q 2024 Nilson data with the addition of HTLF ag loan balances. #31 of 100 Largest Farm Lenders in the U.S. (3) Commercial Credit Card Purchase Volume (2) TOP 15 Prepaid & Purchasing Card Volume (2) TOP 10 Commercial Lending Portfolio Average Loan Balance & Composition (1) Franchise Lending Healthcare Lending Beverage Lending Pro forma with HTLF, UMB is expected to be among the top 10 U.S. farm lenders. (4) [Newly acquired businesses]

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Commercial Banking C&I Lending C&I loans or $14.2B = 39.5% of UMB loans Includes Middle Market, Lending Verticals and Small / Medium Business Considerations Internal limits on loan size and projects per sponsor Concentration guidelines for all lending verticals, monitored for changing conditions End-of-Period C&I Balance Trends Food & Beverage Diversified Tech. & Telecom Materials & Commodities Manu-facturing Retail Healthcare Commercial Services Other (2) Agri-business Finance & Insurance 7% Energy-Related 3% Average Line Utilization Trends (2) Construction & Real Estate Industry 5% $ billions (1) End-of-period balances as of March 31, 2025; (2) Line utilization in 4Q’24 restated to rectify prior period commitment balances. Commercial & Industrial Statistics C&I Industries as % of Total UMB Loans (1) (2) Other - 4% of total UMB loans Transportation Auto-related Entertainment / Recreation Consumer Services Apparel / Textiles Government / Education Utilities

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Commercial Banking Commercial Real Estate Const. / Land Dev. 10% Owner-Occupied 12% Investment CRE 19% $16.0B (1) Farmland 3% Retail Multifamily Office Hotel Industrial Sr. Living 1-4 Unit Rentals Vacant Land Other (5) Commercial Real Estate Statistics Investment CRE as % of Total UMB Loans (2) (5) Other - 2% of total UMB loans % of total UMB loans Student Housing Special Purpose Manufactured Housing Homebuilder Healthcare Self-storage Mixed Use Regulatory Concentrations (4) Total non-farmland CRE / Capital: Construction & Dev. / Capital: Investment CRE & construction portfolio $10.6B = 29.6% of UMB loans Average Loan-to-Value: (3) 57% Recourse: (3) 90% Investment CRE Rate Type: Fixed – 30% Variable – 70% Total CRE & construction $16.0B = 44.5% of UMB loans Owner-occupied – new purchase or refinance Real estate development – construction / perm financing, bridge financing, renovations Total UMB Commercial R/E Rate Type: Fixed – 38% Variable – 62% End-of-period balances as of 03/31/25; (1) Total includes $5.4B legacy HTLF total CRE and construction loans (2) $10.6B of investment CRE includes $2.9B legacy HTLF investment CRE loans; (3) Loan-to-value and recourse metrics are for legacy UMB portfolios only for 1Q’25; (4) Defined as Tier 1 capital plus an adjusted allowance for credit losses, per regulatory guidelines. +216% +71% (No state > 2.7%) Investment CRE Geographic Diversity By property location

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Personal Banking Consumer Loans (1) Growth engine for new customers; deepening existing relationships 75.7 UMBF Industry Average (2) 57.2 Private Banking NPS Score Strategically positioned for sales growth Retail Banking Hybrid Service & Sales Model – Provides broad products and services to meet diverse client needs High Customer Satisfaction Consumer serves the personal banking needs of clients across all divisions of the bank 195 Banking Centers (3) 350 ATMs 47 $2.6B Private Bankers Across 13 regions Avg. Private Banking Deposits Deposits (1) Mortgage 22 MLOs across UMB Footprint Community Development Competitive mortgage solutions for all client types Avg. Mortgage Balances Diverse client engagement in our communities 61 Financial Education Classes 10 Community Partners Served 1,020 Community Participants Key Products Offered Fannie Mae / Freddie Mac Portfolio on balance sheet mortgages Secondary market mortgages 1st Time Homebuyer Assistance $3.2B Metrics at, or for the quarter ended, 03/31/25, unless otherwise stated. (1) Average monthly balances for Dec. ’24 and Mar. ‘25; (2) 1Q’25 Q2 Net Promoter Score for 53 financial services cos. - Medallia, Inc.; (3) 195 physical locations licensed with the OCC, including 193 retail branches plus 2 commercial or private banking centers. Strategic Acquisition Drives Consumer Growth Digital Capabilities across Consumer Digital loan and deposit application and originations Mobile Banking: Deposits, transfers, bill pay, acct review and more $7.3B $12.9B $3.4B $4.3B UMBF HTLF +27% +78%

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Personal Banking Private Wealth Management Composition as of March 31, 2025. (1) Includes Assets Under Management and Assets Under Administration. Personal Trust 26% Investment Advisory 45% Non-Managed AUA 12% IRAs 6% Brokerage 7% Other 4% Customer Assets Wealth Management Financial planning Discretionary investment management Strategic wealth solutions for ultra-high net worth families Business succession and exit planning Brokerage services Insurance settlements Retirement plan services   Personal Trust & Custody Trust administration Charitable foundation planning and administration Personal custody services Unique asset administration Fine art management Trust tax preparation   Asset Management Direct private equity investment access $17.6B Managed Assets (AUM) $2.4B Non-Managed Assets (AUA) $ in millions New Assets / Sales (1) Total Assets +22% vs. year-end ‘24 HTLF added $4.1B in customer assets [Newly acquired businesses]

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UMB Private Investments Overview Target Investment Criteria Combines the strength of a dedicated investment team with the deep resources of UMB Financial Corporation Investment team and investment committee members bring multiple decades of experience Serves existing and prospective UMB Bank clients, cross-selling products and services, including treasury management, senior lending, card services and private banking $137mm Value of Active Holdings (1) 50 Active Portfolio Company Count (1) 150+ Businesses Reviewed Annually $210mm+ Total Capital Deployed to Date (1) Revenue EBITDA Investment size Security type $10mm - $100mm $2mm - $12mm $2mm - $8mm Minority common or preferred equity, convertible debt, subordinated or mezzanine, debt, warrants Manufacturing, distribution, business services, consumer products Growth capital, acquisitions or divestitures, recapitalizations, buyouts or ownership transitions Continental United States Key Verticals Transaction type Geography Providing flexible, tailored capital solutions—including minority equity or subordinated debt—to finance lower-middle market private businesses for long-term growth. (1) As of December 31, 2024. Private Investments Minority Equity & Mezzanine Debt

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Institutional Banking Fund Services & Institutional Custody $509B $460B $472B $482B 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. Best Custodian (6) (7) Custodian Service of the Year (8) Net New Accounts YTD Custody AUA +7.7% YoY +24 $443B Assets Under Administration Registered Funds & Alternative Investments Institutional Custody Transfer Agency Alternative Servicing Fund Acct/Admin. Custody Note: Asset categories sum > total AUA due to shared client assets. (1) With Intelligence ’19, ’20, ’22, ‘23 and ‘25 Awards; (2) Hedgeweek US Emerging Managers Awards ’23; (3) Hedgeweek US Emerging Managers Awards ’24; (4) Global Custodian Industry Leaders Editor’s Choice ’23; (5) PE Wire ’23; (6) HFM Services Awards ’21 and ’22; (7) Hedgeweek US Awards ‘23; (8) Private Credit US Awards ‘24. Best Interval Fund Administrator (1) Best Fund accounting and reporting software (2) Best Administrator – Mid Market & Emerging Managers (5)   Best New Fund Services Project – RFS (4)   Administrator of the Year – Technology (3)

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Institutional Banking Corporate / Specialty Trust & Capital Markets (1)Thomson Reuters municipal rankings, Full Year ‘24; (2) Ranked by number of issues. Corporate Trust & Escrow Services Provides trustee, paying agent and escrow services to municipal and corporate issuers. $49B Assets Under Administration Paying Agent in U.S. (1) (2) #2 Municipal Trustee in U.S. (1) (2) #3 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. +35% 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 Growth in new business YTD 2025 vs. YTD 2024 March YTD Closed Deals

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FDIC Sweep Assets Under Administration $49B Institutional Banking Investor 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 1.6mm In HSA Deposits (3) $3.1B Top 10 HSA Custodians in the U.S. (2) TOP 10 Benefit Cards 5.4mm ~90mm ~ 5.3 mm accounts for March 2025 Recognized for Investment Quality (1) Sample BaaS Partnerships Named a Top HSA for Features & Investment Options (1) (1) Investor’s Business Daily ‘23; (2) #6 in total accounts and #8 in total assets as of December 31, 2024 - Devenir Research Year-End ’24; (3) End-of-period balances as of March 31, 2025. Our banking as a service (BaaS) solution includes deposit services for checking, saving, and investment accounts, including expanded FDIC insurance through our proprietary Sweep Program. In HSA Invested Assets (3) $1.4B

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Payments Credit & Debit Card Products Dollars in millions. (1) HTLF card spend volume for only 2 months of 1Q‘25; (2) Rank in commercial, consumer and small business cards among top 50 U.S. issuers as of December 31, 2024. Source: Nilson Report, January 2025. Card Purchase Volume & Interchange Trends 23rd in U.S. Credit Card Purchase Volume (2) #23 $4,575 $4,558 $4,701 $4,658 $5,406 Interchange Income Consumer Credit Healthcare Debit Commercial Credit Inst. Cash Mgmt. Consumer Debit $5.4B 1Q ‘25 Card Spend Legacy UMBF – $4.9B +7.5% YoY Legacy HTLF (1) – $506mm +18.6% YoY

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Long-Term Performance Trends

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Differentiated Revenue Profile Multiple Sources of Growth Net Interest Income Fee Income Provides Diversity 35% 56% 39% $ 1,282.7 $1,291.4 $1,468.0 $613.2 $1,462.0 $731.3 $587.8 $778.2 $671.0 $825.1 $878.5 $982.5 $848.7 $1,012.1 $971.4 $1,097.7 Total Revenue 20 Year CAGR 7.2% 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 5.2% Fee Income Growth $815.5 $731.2 $913.8 $303.0 $920.1 $317.0 $275.1 $320.1 $310.6 $333.3 $412.1 $558.9 $350.1 $610.4 $495.3 $670.9 1% 20% Net Interest Income (before provision) Noninterest Income (1) (2) % fee income Peer Median % Fee Income (3) Dollars in millions. (1) Noninterest income prior to 2017 contains income from discontinued operations; (2) 2022 noninterest income included a $66.2 million pre-tax gain on the sale of Visa Inc. Class B shares; (3) UMB peers (15 banks) as of latest available annual period. Source: S&P Capital IQ. Peer group defined on slide 56. $188.3 $232.7 $179.1 $217.2 $1,000.9 $1,629.0 $440.2 $521.5 $407.2 $472.2 -8% 8% 7% 10% 11% -7% 5% 15% 7% 9% 20 Year CAGR 9.0%

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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) UMB peers (15 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 11.4% 8% 7% 13% 14% 9% 8% Average Deposits Average Total Deposit Cost Peer Median Deposit Cost (2) 1.23% 0.54% 2.78% 25% 1% 14% 16% 11% 14% 10% 20% 13% 6% 11% 9% 4% 7% 14% 2.43% 20 Year CAGR 10.3% 11% -6% 3% 7% 4% Conservative Loans / Deposits (%) 20-year Avg: 61% Annual Deposit Growth

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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 (15 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. 0.10% ’04 – ‘24 Average 0.27% ’04 – ‘24 Average 0.38% 0.21% 0.68% 0.08% 0.51% 0.98%

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Capital & Liquidity Supports Growth Outlook UMBF Peer Median (1) UMBF Peer Median (1) Peer Median TCE / Tang. Assets (1) UMBF Peer Median (1) (1) UMB peers (15 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 54; (3) As defined by S&P Capital IQ: “Cash, cash equivalents, and investment securities/assets.” Tangible Equity / Tangible Assets (2) UMBF Equity / Assets UMBF TCE / Tang. Assets (2) 20% 15% 10% 5% 0% 100% 75% 50% 25% 0% Tier 1 Capital Ratio Equity / Assets Cash & Securities / Assets (3) Average Loans / Average Deposits

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Risk-Adjusted Returns Rowing Close to Shore UMBF Peer Median (1) (1) UMB peers (15 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 and 2024. UMBF Peer Median (1) Risk-Weighted Assets / Assets Return on Risk-Weighted Assets (2)

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Dividend Trends Sustained Growth (1) Dividends adjusted for 2-for-1 stock split in 2006; (2) Annualized 2025 full-year dividend assumes all 4 quarterly dividends are declared at $0.40/share, consistent with 1Q and 2Q 2025 dividends. The Board of Directors may declare dividends of different amounts in future quarters. Annual Dividends Declared (1) 2025 = $1.60 (2) +1.9% vs. 2024 +282.9% 2004 - 2024 (2)

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Outperformance Building Long-Term Value 20-Year Compounded Annual Growth Rates 2004 – 2024 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 55. Peer, KRX & Industry source: S&P Capital IQ; (2) KBW Nasdaq Regional Bank Index (median of 50 banks); (3) UMB’s traditional peers (median of 15 banks); (4) Median of all publicly-traded banks with data reported for both 2004 and 2024.

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Appendix

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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 Tim Murphy AC, 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 John Schmidt GC Jim Rine Vice Chairman

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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 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 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 Annual Report on Form 10-K for the fiscal year ended December 31, 2024 (and which is available at on the SEC’s archive site, here,) and its other filings with the SEC.

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Unaudited, dollars in thousands except per share data. (1) Calculated using marginal tax rate of 24.0% for 2025 and 23.0% for 2024. 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 Day 1 acquisition provision expense, acquisitions and severance expenses, the FDIC special assessment, and the cumulative tax impact of these adjustments.

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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.

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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

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Non-GAAP Reconciliations 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. Unaudited, dollars in thousands, except per share data. 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.

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Our Peer Group ASB Associated Banc-Corp BOKF BOK Financial Corporation CADE Cadence Bank COLB Columbia Banking System, Inc. CMA Comerica Incorporated CFR Cullen/Frost Bankers, Inc. FHN First Horizon Corporation ONB Old National Bancorp PNFP Pinnacle Financial Partners SSB SouthState Corporation SNV Synovus Financial Corp. WBS Webster Financial Corporation WAL Western Alliance Bancorporation WTFC Wintrust Financial Corporation ZION Zions Bancorporation

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