UMB FINANCIAL CORP

For the period ended Sep 30, 2025. Filed Oct 30, 2025.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Oct 30, 2025

UMBF$135.86-0.6%Stored close · as of Nov 10, 2026

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Contents

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

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