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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(MARK ONE)

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2025

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to ____

Commission file number 001-38481

UMB FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


Missouri		43-0903811
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification Number)


1010 Grand Boulevard, Kansas City, Missouri		64106
(Address of principal executive offices)		(Zip Code)

(Registrant's telephone number, including area code): (816) 860-7000

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 1/400th interest in a share of 7.75% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series B	UMBFO	The NASDAQ Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.


Large accelerated filer	☒	Accelerated filer	☐
Non- accelerated filer	☐	Smaller reporting company	☐
		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. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

As of October 27, 2025, UMB Financial Corporation had 75,954,660 shares of common stock outstanding.

UMB FINANCIAL CORPORATION

FORM 10-Q

INDEX


PART I – FINANCIAL INFORMATION		3

ITEM 1.	FINANCIAL STATEMENTS (UNAUDITED)	3
CONSOLIDATED BALANCE SHEETS		3
CONSOLIDATED STATEMENTS OF INCOME		4
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME		5
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY		6
CONSOLIDATED STATEMENTS OF CASH FLOWS		8
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS		10
ITEM 2.	MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	67
ITEM 3.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK	89
ITEM 4.	CONTROLS AND PROCEDURES	94

PART II - OTHER INFORMATION		95

ITEM 1.	LEGAL PROCEEDINGS	95
ITEM 1A.	RISK FACTORS	95
ITEM 2.	UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS	95
ITEM 5.	OTHER INFORMATION	95
ITEM 6.	EXHIBITS	97
SIGNATURES		98

PART I – FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

UMB FINANCIAL CORPORATION

CONSOLIDATED BALANCE SHEETS

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


	September 30,			December 31,
	2025			2024
ASSETS
Loans	$	37,706,507		$	25,642,301
Allowance for credit losses on loans		(404,971	)		(259,089	)
Net loans		37,301,536			25,383,212
Loans held for sale		3,170			2,756
Securities:
Available for sale (amortized cost of $13,747,149 and $8,407,676, respectively)		13,378,280			7,774,334
Held to maturity, net of allowance for credit losses of $1,845 and $2,645, respectively (fair value of $5,119,701 and $4,748,938, respectively)		5,652,387			5,376,267
Trading securities		35,811			28,533
Other securities		719,575			471,018
Total securities		19,786,053			13,650,152
Federal funds sold and securities purchased under agreements to resell		765,113			545,000
Interest-bearing due from banks		7,892,392			7,986,270
Cash and due from banks		1,073,005			573,175
Premises and equipment, net		398,607			221,773
Accrued income		331,645			246,095
Goodwill		1,835,298			207,385
Other intangibles, net		511,450			63,647
Other assets		1,982,912			1,530,199
Total assets	$	71,881,181		$	50,409,664

LIABILITIES
Deposits:
Noninterest-bearing demand	$	16,188,227		$	13,617,167
Interest-bearing demand and savings		40,549,723			27,397,195
Time deposits under $250,000		1,985,352			969,132
Time deposits of $250,000 or more		1,412,541			1,158,535
Total deposits		60,135,843			43,142,029
Federal funds purchased and repurchase agreements		2,838,597			2,609,715
Long-term debt		471,331			385,292
Accrued expenses and taxes		453,437			368,457
Other liabilities		538,023			437,630
Total liabilities		64,437,231			46,943,123

SHAREHOLDERS' EQUITY
Series B Fixed-Rate Reset Non-Cumulative Perpetual Preferred stock, $0.01 par value; 30,000 authorized, issued and outstanding		294,066			—
Common stock, $1.00 par value; 160,000,000 shares authorized; 78,665,809 shares issued, 75,953,713 and 48,814,177 shares outstanding, respectively		78,666			55,057
Capital surplus		4,001,834			1,145,638
Retained earnings		3,559,717			3,174,948
Accumulated other comprehensive loss, net		(324,842	)		(573,050	)
Treasury stock, 2,712,096 and 6,242,553 shares, at cost, respectively		(165,491	)		(336,052	)
Total shareholders' equity		7,443,950			3,466,541
Total liabilities and shareholders' equity	$	71,881,181		$	50,409,664

See Notes to Consolidated Financial Statements.

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF INCOME

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


	Three Months Ended					Nine Months Ended
	September 30,					September 30,
	2025			2024		2025		2024
INTEREST INCOME
Loans	$	629,057		$	416,400	$	1,768,875	$	1,202,317
Securities:
Taxable interest		138,176			63,466		358,709		186,159
Tax-exempt interest		33,035			24,578		96,022		74,988
Total securities income		171,211			88,044		454,731		261,147
Federal funds and resell agreements		9,365			4,990		25,050		11,726
Interest-bearing due from banks		68,952			47,969		217,811		139,831
Trading securities		312			291		937		1,020
Total interest income		878,897			557,694		2,467,404		1,616,041
INTEREST EXPENSE
Deposits		362,882			262,599		1,009,441		726,999
Federal funds and repurchase agreements		28,632			27,070		81,845		82,813
Other		12,341			20,649		36,413		74,311
Total interest expense		403,855			310,318		1,127,699		884,123
Net interest income		475,042			247,376		1,339,705		731,918
Provision for credit losses		22,500			18,000		129,500		42,050
Net interest income after provision for credit losses		452,542			229,376		1,210,205		689,868
NONINTEREST INCOME
Trust and securities processing		87,926			74,222		250,970		213,710
Trading and investment banking		7,026			7,118		19,107		18,041
Service charges on deposit accounts		29,150			20,089		85,472		63,107
Insurance fees and commissions		307			282		674		832
Brokerage fees		20,470			15,749		59,097		42,929
Bankcard fees		29,561			22,394		84,872		66,708
Investment securities (losses) gains, net		(4,093	)		2,623		28,810		10,127
Other		32,951			16,266		62,679		47,452
Total noninterest income		203,298			158,743		591,681		462,906
NONINTEREST EXPENSE
Salaries and employee benefits		220,329			146,984		655,278		432,851
Occupancy, net		19,149			12,274		53,789		36,267
Equipment		16,563			15,988		49,937		48,094
Supplies and services		10,492			4,967		21,660		11,672
Marketing and business development		11,094			6,817		30,436		19,440
Processing fees		45,008			29,697		129,496		87,334
Legal and consulting		21,616			9,518		68,690		33,978
Bankcard		11,775			12,482		36,933		34,867
Amortization of other intangible assets		25,317			1,917		68,067		5,788
Regulatory fees		8,091			4,686		25,587		26,649
Other		29,851			7,124		57,367		19,385
Total noninterest expense		419,285			252,454		1,197,240		756,325
Income before income taxes		236,555			135,665		604,646		396,449
Income tax expense		48,239			26,022		117,603		75,203
NET INCOME	$	188,316		$	109,643	$	487,043	$	321,246
Less: Preferred dividends		7,944			—		11,969		—
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$	180,372		$	109,643	$	475,074	$	321,246

PER SHARE DATA
Net income per common share – basic	$	2.38		$	2.25	$	6.57	$	6.59
Net income per common share – diluted		2.36			2.23		6.53		6.56
Dividends per common share		0.40			0.39		1.20		1.17
Weighted average common shares outstanding – basic		75,943,943			48,775,072		72,349,952		48,727,914
Weighted average common shares outstanding – diluted		76,366,818			49,078,497		72,744,289		48,993,581

See Notes to Consolidated Financial Statements.

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(unaudited, dollars in thousands)


	Three Months Ended						Nine Months Ended
	September 30,						September 30,
	2025			2024			2025			2024
Net income	$	188,316		$	109,643		$	487,043		$	321,246
Other comprehensive income, before tax:
Unrealized gains and losses on debt securities:
Change in unrealized holding gains and losses, net		145,415			229,285			264,987			175,005
Less: Reclassification adjustment for net gains included in net income		(91	)		—			(514	)		(139	)
Amortization of net unrealized loss on securities transferred from available-for-sale to held-to-maturity		8,007			9,618			24,286			27,345
Change in unrealized gains and losses on debt securities		153,331			238,903			288,759			202,211
Unrealized gains and losses on derivative hedges:
Change in unrealized gains and losses on derivative hedges, net		(380	)		40,445			36,652			18,012
Less: Reclassification adjustment for net losses (gains) included in net income		3,114			(1,666	)		5,131			(7,392	)
Change in unrealized gains and losses on derivative hedges		2,734			38,779			41,783			10,620
Other comprehensive income, before tax		156,065			277,682			330,542			212,831
Income tax expense		(38,860	)		(67,904	)		(82,334	)		(51,752	)
Other comprehensive income		117,205			209,778			248,208			161,079
Comprehensive income	$	305,521		$	319,421		$	735,251		$	482,325

See Notes to Consolidated Financial Statements.

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

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


	Preferred Stock			Common Stock		Capital Surplus			Retained Earnings			Accumulated Other Comprehensive (Loss) Income			Treasury Stock			Total
Balance – July 1, 2024	$	—		$	55,057	$	1,132,301		$	2,984,152		$	(605,634	)	$	(338,529	)	$	3,227,347
Total comprehensive income		—			—		—			109,643			209,778			—			319,421
Common dividends ($0.39 per share)		—			—		—			(19,178	)		—			—			(19,178	)
Purchase of treasury stock		—			—		—			—			—			(201	)		(201	)
Issuances of equity awards, net of forfeitures		—			—		(256	)		—			—			256			—
Recognition of equity-based compensation		—			—		4,846			—			—			—			4,846
Sale of treasury stock		—			—		112			—			—			77			189
Exercise of stock options		—			—		1,379			—			—			1,718			3,097
Common stock issuance costs		—			—		(32	)		—			—			—			(32	)
Balance – September 30, 2024	$	—		$	55,057	$	1,138,350		$	3,074,617		$	(395,856	)	$	(336,679	)	$	3,535,489

Balance – July 1, 2025	$	404,767		$	78,666	$	4,000,973		$	3,409,706		$	(442,047	)	$	(166,300	)	$	7,285,765
Total comprehensive income		—			—		—			188,316			117,205			—			305,521
Cash dividends declared:
Preferred dividends ($264.79 per share)		—			—		—			(7,944	)		—			—			(7,944	)
Common dividends ($0.40 per share)		—			—		—			(30,566	)		—			—			(30,566	)
Purchase of treasury stock		—			—		—			—			—			(1,825	)		(1,825	)
Issuances of equity awards, net of forfeitures		—			—		(2,461	)		—			—			2,461			—
Recognition of equity-based compensation		—			—		7,723			—			—			—			7,723
Sale of treasury stock		—			—		96			—			—			118			214
Exercise of stock options		—			—		3			—			—			55			58
Preferred stock issuance, net of issuance costs		4			—		—			—			—			—			4
Preferred stock redemption		(110,705	)		—		(4,500	)		205			—			—			(115,000	)
Balance – September 30, 2025	$	294,066		$	78,666	$	4,001,834		$	3,559,717		$	(324,842	)	$	(165,491	)	$	7,443,950


	Preferred Stock			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		—			—		—			321,246			161,079			—			482,325
Common dividends ($1.17 per share)		—			—		—			(57,453	)		—			—			(57,453	)
Purchase of treasury stock		—			—		—			—			—			(7,738	)		(7,738	)
Issuances of equity awards, net of forfeitures		—			—		(11,220	)		—			—			11,923			703
Recognition of equity-based compensation		—			—		14,886			—			—			—			14,886
Sale of treasury stock		—			—		237			—			—			184			421
Exercise of stock options		—			—		1,433			—			—			1,842			3,275
Common stock issuance costs		—			—		(1,349	)		—			—			—			(1,349	)
Balance – September 30, 2024	$	—		$	55,057	$	1,138,350		$	3,074,617		$	(395,856	)	$	(336,679	)	$	3,535,489

Balance – January 1, 2025	$	—		$	55,057	$	1,145,638		$	3,174,948		$	(573,050	)	$	(336,052	)	$	3,466,541
Total comprehensive income		—			—		—			487,043			248,208			—			735,251
Cash dividends declared:
Preferred dividends Series A ($350.00 per share)		—			—		—			(4,025	)		—			—			(4,025	)
Preferred dividends Series B ($264.79 per share)		—			—		—			(7,944	)		—			—			(7,944	)
Common dividends ($1.20 per share)		—			—		—			(90,510	)		—			—			(90,510	)
Purchase of treasury stock		—			—		—			—			—			(17,549	)		(17,549	)
Issuances of equity awards, net of forfeitures		—			—		(18,663	)		—			—			19,463			800
Recognition of equity-based compensation		—			—		48,021			—			—			—			48,021
Sale of treasury stock		—			—		265			—			—			261			526
Exercise of stock options		—			—		115			—			—			301			416
Common stock issuance		—			—		67,056			—			—			168,085			235,141
Preferred stock issuance, net of issuance costs		294,066			—		—			—			—			—			294,066
Preferred stock redemption		(110,705	)		—		(4,500	)		205			—			—			(115,000	)
Stock issuance for acquisition, net of issuance costs		110,705			23,609		2,763,902			—			—			—			2,898,216
Balance – September 30, 2025	$	294,066		$	78,666	$	4,001,834		$	3,559,717		$	(324,842	)	$	(165,491	)	$	7,443,950

See Notes to Consolidated Financial Statements.

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF CASH FLOWS

(unaudited, dollars in thousands)


	For the Nine Months Ended
	September 30,
	2025			2024
OPERATING ACTIVITIES
Net income	$	487,043		$	321,246
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses		129,500			42,050
Net (accretion) amortization of premiums and discounts from acquisition		(93,740	)		2,457
Depreciation and amortization		104,373			40,057
Amortization of debt issuance costs		638			657
Deferred income tax expense (benefit)		25,219			(6,798	)
Net increase in trading securities and other earning assets		(7,278	)		(17,746	)
Gains on investment securities, net		(28,810	)		(10,127	)
Losses (gains) on sales of assets		68			(3,210	)
Amortization of securities premiums, net of discount accretion		(2,066	)		20,666
Originations of loans held for sale		(73,717	)		(60,019	)
Gains on sales of loans held for sale, net		(2,009	)		(1,516	)
Proceeds from sales of loans held for sale		75,312			60,779
Equity-based compensation		28,432			15,589
Changes in:
Accrued income		(11,271	)		2,852
Accrued expenses and taxes		42,333			(1,687	)
Other assets and liabilities, net		246,589			(113,093	)
Net cash provided by operating activities		920,616			292,157
INVESTING ACTIVITIES
Securities held to maturity:
Maturities, calls and principal repayments		502,322			329,830
Purchases		(319,652	)		(97,027	)
Securities available for sale:
Sales		624,225			19,154
Maturities, calls and principal repayments		1,207,751			7,104,618
Purchases		(4,015,349	)		(6,893,491	)
Equity securities with readily determinable fair values:
Purchases		(495	)		(265	)
Equity securities without readily determinable fair values:
Sales		23,150			34,267
Maturities, calls and principal repayments		14,557			56,561
Purchases		(124,847	)		(43,488	)
Payment of tax equity investment commitments		(42,489	)		(29,456	)
Net increase in loans		(2,214,214	)		(1,727,556	)
Net increase in fed funds sold and resell agreements		(220,113	)		(153,890	)
Net cash activity from acquisitions and divestitures		170,136			(109,046	)
Net decrease (increase) in interest-bearing balances due from other financial institutions		952,886			(24,426	)
Net purchases of premises and equipment		(37,825	)		(9,829	)
Proceeds from bank-owned and company-owned life insurance death benefit		2,334			—
Net cash used in investing activities		(3,477,623	)		(1,544,044	)


FINANCING ACTIVITIES
Net increase in demand and savings deposits		2,940,516			4,920,541
Net decrease in time deposits		(299,109	)		(1,010,808	)
Net increase (decrease) in fed funds purchased and repurchase agreements		206,249			(96,347	)
Proceeds from short-term debt		—			500,000
Repayment of short-term debt		—			(1,250,000	)
Repayment of long-term debt		(200,000	)		—
Cash dividends paid		(95,006	)		(57,602	)
Payment of common stock issuance costs		(524	)		(1,349	)
Proceeds from exercise of stock options and sales of treasury shares		942			3,696
Purchases of treasury stock		(17,549	)		(7,738	)
Common stock issuance		235,141			—
Preferred stock issuance		294,066			—
Preferred stock redemption		(115,000	)		—
Net cash provided by financing activities		2,949,726			3,000,393
Increase in cash and cash equivalents		392,719			1,748,506
Cash and cash equivalents at beginning of period		8,448,691			5,528,258
Cash and cash equivalents at end of period	$	8,841,410		$	7,276,764


Supplemental disclosures:
Income tax payments	$	53,126		$	76,076
Total interest payments		1,099,937			879,867
Noncash disclosures:
Acquisition of tax equity investments	$	54,208		$	24,316
Commitment to fund tax equity investments		54,208			24,316
Transfer of loans to other real estate owned		1,310			828
Transfer of loans to other repossessed assets		39			—
Issuance of common stock as consideration for acquisition		2,783,510			—
Issuance of preferred stock as consideration for acquisition		115,230			—
Stock based compensation as consideration for acquisition		20,389			—

See Notes to Consolidated Financial Statements.

UMB FINANCIAL CORPORATION

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2025 (UNAUDITED)

1. Financial Statement Presentation

The Consolidated Financial Statements include the accounts of UMB Financial Corporation and its subsidiaries (collectively, the Company) after the elimination of all intercompany transactions. In the opinion of management of the Company, all adjustments relating to items that are of a normal recurring nature and necessary for a fair presentation of the financial position and results of operations have been made. The results of operations and cash flows for the interim periods presented may not be indicative of the results of the full year ending December 31, 2025. The financial statements should be read in conjunction with “Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations” within this Quarterly Report on Form 10-Q (the Form 10-Q) and in conjunction with the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2024, filed with the Securities and Exchange Commission (SEC) on February 27, 2025 (the Form 10-K).

The Company is a financial holding company, which offers a wide range of banking and other financial services to its customers through its branches and offices. The Company’s national bank, UMB Bank, National Association (the Bank), has its principal office in Missouri as well as branches and offices primarily located in the Midwestern, Southwestern, and Western regions of the United States.

2. Summary of Significant Accounting Policies

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (U.S. GAAP) requires management to make estimates and assumptions that affect the reported amount of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. These estimates and assumptions also impact reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. A summary of the significant accounting policies to assist the reader in understanding the financial presentation is provided in the Notes to Consolidated Financial Statements in the Form 10-K.

Business Combinations

The Company accounts for business combinations using the purchase method of accounting in accordance with FASB ASC Topic 805, Business Combinations, which requires assets acquired and liabilities assumed to be recognized at fair value as of the acquisition date.

On January 31, 2025 (Acquisition Date), the Company acquired Heartland Financial USA, Inc. (HTLF) pursuant to an Agreement and Plan of Merger, dated as of April 28, 2024. See Note 13, “Acquisition” for additional information.

Cash and cash equivalents

Cash and cash equivalents includes Cash and due from banks and amounts due from the Federal Reserve Bank (FRB). Cash on hand, cash items in the process of collection, and amounts due from correspondent banks are included in Cash and due from banks. Amounts due from the FRB are interest-bearing for all periods presented and are included in the Interest-bearing due from banks line on the Company’s Consolidated Balance Sheets.

This table provides a summary of cash and cash equivalents as presented on the Consolidated Statements of Cash Flows as of September 30, 2025 and September 30, 2024 (in thousands):


		September 30,
		2025				2024

UMB FINANCIAL CORP 10-Q