| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Loans | 40,134,325 | 38,779,408 | 37,706,507 | 36,807,933 |
| Allowance for credit losses on loans | 425,876 | 419,478 | 404,971 | 389,918 |
| Net loans | 39,708,449 | 38,359,930 | 37,301,536 | 36,418,015 |
| Loans held for sale | 4,471 | 2,030 | 3,170 | 5,738 |
| Available for sale (amortized cost of 14,037,520 and 13,999,900, ( respectively) | 13,660,886 | 13,709,141 | 13,378,280 | 12,162,688 |
| Held to maturity, net of allowance for credit losses of 3,357 and 1,684, respectively (fair value of 5,172,564 and 5,250,465, respectively) | 5,699,881 | 5,722,543 | 5,652,387 | 5,495,182 |
| Trading securities | 24,205 | 22,331 | 35,811 | 24,698 |
| Other securities | 685,590 | 676,300 | 719,575 | 718,815 |
| Total securities | 20,070,562 | 20,130,315 | 19,786,053 | 18,401,383 |
| Federal funds sold and securities purchased under agreements to resell | 1,524,669 | 1,548,093 | 765,113 | 737,191 |
| Interest-bearing due from banks | 5,655,290 | 6,940,535 | 7,892,392 | 10,026,186 |
| Cash and due from banks | 735,829 | 952,547 | 1,073,005 | 1,087,696 |
| Premises and equipment, net | 391,020 | 398,271 | 398,607 | 395,195 |
| Accrued income | 342,685 | 349,639 | 331,645 | 327,390 |
| Goodwill | 1,837,594 | 1,839,825 | 1,835,298 | 1,812,694 |
| Gross carrying amount | 605,379 | 605,379 | 604,506 | NaN |
| Accumulated amortization | 141,970 | 118,510 | 93,056 | NaN |
| Other intangibles, net | 463,409 | 486,869 | 511,450 | 531,918 |
| Other assets | 1,940,183 | 2,086,036 | 1,982,912 | 2,016,747 |
| Total assets | 72,674,161 | 73,094,090 | 71,881,181 | 71,760,153 |
| Noninterest-bearing demand | 17,041,696 | 17,143,341 | 16,188,227 | 18,481,469 |
| Interest-bearing demand and savings | 39,728,542 | 39,752,587 | 40,549,723 | 38,214,606 |
| Time deposits under 250,000 | 1,823,536 | 1,934,617 | 1,985,352 | 1,935,968 |
| Time deposits of 250,000 or more | 1,386,982 | 1,826,245 | 1,412,541 | 1,354,966 |
| Total deposits | 59,980,756 | 60,656,790 | 60,135,843 | 59,987,009 |
| Federal funds purchased and repurchase agreements | 3,550,738 | 3,324,938 | 2,838,597 | 2,932,606 |
| Long-term debt | 477,164 | 474,229 | 471,331 | 657,324 |
| Accrued expenses and taxes | 309,932 | 435,351 | 453,437 | 389,669 |
| Other liabilities | 528,574 | 509,214 | 538,023 | 507,780 |
| Total liabilities | 64,847,164 | 65,400,522 | 64,437,231 | 64,474,388 |
| Fixed-rate reset non-cumulative perpetual preferred stock-Series BPreferred Stock | NaN | NaN | 294,066 | 294,062 |
| Fixed-rate reset non-cumulative perpetual preferred stock-Series APreferred Stock | NaN | NaN | NaN | 110,705 |
| Series b fixed-rate reset non-cumulative perpetual preferred stock, 0.01 par value 30,000 authorized, issued and outstanding | 294,066 | 294,066 | NaN | NaN |
| Common stock, 1.00 par value 160,000,000 shares authorized 78,665,809 shares issued, 75,977,250 and 75,960,675 shares outstanding, respectively | 78,666 | 78,666 | 78,666 | 78,666 |
| Capital surplus | 4,006,726 | 4,011,047 | 4,001,834 | 4,000,973 |
| Retained earnings | 3,958,611 | 3,736,413 | 3,559,717 | 3,409,706 |
| Accumulated other comprehensive loss, net | -331,350 | -261,520 | -324,842 | -442,047 |
| Treasury stock, 2,688,559 and 2,705,134 shares, at cost, respectively | 179,722 | 165,104 | 165,491 | 166,300 |
| Total shareholders' equity | 7,826,997 | 7,693,568 | 7,443,950 | 7,285,765 |
| Total liabilities and shareholders' equity | 72,674,161 | 73,094,090 | 71,881,181 | 71,760,153 |
UMB FINANCIAL CORP (UMBF)
UMB FINANCIAL CORP (UMBF)