UMB FINANCIAL CORP

For the period ended Jun 30, 2026. Filed Jul 30, 2026.

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.

Jun 30, 2026 · Filed Jul 30, 2026

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

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Contents

CONSOLIDATED STATEMENTS OF INCOME

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

Three Months Ended · Six Months Ended
June 30,	June 30,
	2026	2025	2026	2025
INTEREST INCOME
Loans	$643,995	$612,414	$1,277,073	$1,139,818
Securities:
Taxable interest	146,593	122,237	291,892	220,533
Tax-exempt interest	35,181	33,024	69,635	62,987
Total securities income	181,774	155,261	361,527	283,520
Federal funds and resell agreements	11,259	8,733	27,322	15,685
Interest-bearing due from banks	33,950	73,874	71,852	148,859
Trading securities	388	255	659	625
Total interest income	871,366	850,537	1,738,433	1,588,507
INTEREST EXPENSE
Deposits	298,927	343,153	591,300	646,559
Federal funds and repurchase agreements	28,953	27,423	58,651	53,213
Other	10,961	12,937	21,591	24,072
Total interest expense	338,841	383,513	671,542	723,844
Net interest income	532,525	467,024	1,066,891	864,663
Provision for credit losses	28,000	21,000	55,000	107,000
Net interest income after provision for credit losses	504,525	446,024	1,011,891	757,663
NONINTEREST INCOME
Trust and securities processing	98,295	83,263	192,962	163,044
Trading and investment banking	5,314	6,170	13,054	12,081
Service charges on deposit accounts	29,588	28,865	59,062	56,322
Insurance fees and commissions	207	189	462	367
Brokerage fees	25,400	20,525	46,489	38,627
Bankcard fees	29,954	29,018	58,832	55,311
Investment securities gains, net	27,087	37,685	30,133	32,903
Other	29,660	16,470	49,304	29,728
Total noninterest income	245,505	222,185	450,298	388,383
NONINTEREST EXPENSE
Salaries and employee benefits	227,162	213,551	446,843	434,949
Occupancy, net	19,277	18,571	38,352	34,640
Equipment	13,942	16,426	27,262	33,374
Supplies and services	5,504	6,383	11,108	11,168
Marketing and business development	13,916	11,344	27,708	19,342
Processing fees	43,073	43,638	85,132	84,488
Legal and consulting	14,415	18,468	23,502	47,074
Bankcard	11,873	12,363	23,714	25,158
Amortization of other intangible assets	23,460	25,268	46,920	42,750
Regulatory fees	9,097	9,259	17,367	17,496
Other	17,914	17,897	32,608	27,516
Total noninterest expense	399,633	393,168	780,516	777,955
Income before income taxes	350,397	275,041	681,673	368,091
Income tax expense	72,827	57,647	142,665	69,364
NET INCOME	$277,570	$217,394	$539,008	$298,727
Less: Preferred dividends	5,812	2,012	11,625	4,025
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$271,758	$215,382	$527,383	$294,702
PER SHARE DATA
Net income per common share – basic	$3.58	$2.84	$6.94	$4.18
Net income per common share – diluted	3.56	2.82	6.90	4.16
Dividends per common share	0.43	0.40	0.86	0.80
Weighted average common shares outstanding – basic	75,972,781	75,923,082	76,002,535	70,523,171
Weighted average common shares outstanding – diluted	76,392,233	76,241,798	76,422,437	70,901,635

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.