UMB FINANCIAL CORP

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

About this filing

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

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits

Contents

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

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.