UMB FINANCIAL CORP

For the period ended Sep 30, 2026. Filed Oct 29, 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.

Sep 30, 2026 · Filed Oct 29, 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 · Nine Months Ended
September 30,	September 30,
	2026	2025	2026	2025
INTEREST INCOME
Loans	$669,670	$629,057	$1,946,743	$1,768,875
Securities:
Taxable interest	148,356	138,176	440,248	358,709
Tax-exempt interest	36,196	33,035	105,831	96,022
Total securities income	184,552	171,211	546,079	454,731
Federal funds and resell agreements	10,984	9,365	38,306	25,050
Interest-bearing due from banks	29,665	68,952	101,517	217,811
Trading securities	524	312	1,183	937
Total interest income	895,395	878,897	2,633,828	2,467,404
INTEREST EXPENSE
Deposits	318,225	362,882	909,525	1,009,441
Federal funds and repurchase agreements	26,017	28,632	84,668	81,845
Other	11,148	12,341	32,739	36,413
Total interest expense	355,390	403,855	1,026,932	1,127,699
Net interest income	540,005	475,042	1,606,896	1,339,705
Provision for credit losses	31,000	22,500	86,000	129,500
Net interest income after provision for credit losses	509,005	452,542	1,520,896	1,210,205
NONINTEREST INCOME
Trust and securities processing	104,033	87,926	296,995	250,970
Trading and investment banking	5,269	7,026	18,323	19,107
Service charges on deposit accounts	31,460	29,150	90,522	85,472
Insurance fees and commissions	148	307	610	674
Brokerage fees	24,181	20,470	70,670	59,097
Bankcard fees	29,453	29,561	88,285	84,872
Investment securities gains (losses), net	11,009	(4,093)	41,142	28,810
Other	26,830	32,951	76,134	62,679
Total noninterest income	232,383	203,298	682,681	591,681
NONINTEREST EXPENSE
Salaries and employee benefits	221,240	220,329	668,083	655,278
Occupancy, net	21,210	19,149	59,562	53,789
Equipment	14,052	16,563	41,314	49,937
Supplies and services	7,685	10,492	18,793	21,660
Marketing and business development	15,286	11,094	42,994	30,436
Processing fees	44,256	45,008	129,388	129,496
Legal and consulting	14,882	21,616	38,384	68,690
Bankcard	11,426	11,775	35,140	36,933
Amortization of other intangible assets	23,243	25,317	70,163	68,067
Regulatory fees	8,918	8,091	26,285	25,587
Other	17,259	29,851	49,867	57,367
Total noninterest expense	399,457	419,285	1,179,973	1,197,240
Income before income taxes	341,931	236,555	1,023,604	604,646
Income tax expense	63,846	48,239	206,511	117,603
NET INCOME	$278,085	$188,316	$817,093	$487,043
Less: Preferred dividends	5,813	7,944	17,438	11,969
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$272,272	$180,372	$799,655	$475,074
PER SHARE DATA
Net income per common share – basic	$3.58	$2.38	$10.52	$6.57
Net income per common share – diluted	3.56	2.36	10.46	6.53
Dividends per common share	0.50	0.40	1.36	1.20
Weighted average common shares outstanding – basic	75,950,551	75,943,943	75,985,017	72,349,952
Weighted average common shares outstanding – diluted	76,504,135	76,366,818	76,474,906	72,744,289

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.