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Balance Sheet
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Income Overview
Net Income
$271,758K
EPS
$3.56
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans
643,995
633,078
553,073*
629,057
Taxable interest
146,593
145,299
114,011*
138,176
Tax-exempt interest
35,181
34,454
31,118*
33,035
Total securities income
181,774
179,753
145,128*
171,211
Federal funds and resell agreements
11,259
16,063
11,005*
9,365
Interest-bearing due from banks
33,950
37,902
50,676*
68,952
Trading securities
388
271
248*
312
Total interest income
871,366
867,067
760,129*
878,897
Deposits
298,927
292,373
277,497*
362,882
Federal funds and repurchase agreements
28,953
29,698
24,622*
28,632
Other
-10,961
-10,630
-8,905*
-12,341
Total interest expense
338,841
332,701
311,023*
403,855
Net interest income
532,525
534,366
449,106*
475,042
Provision for credit losses
28,000
27,000
89,250*
22,500
Net interest income after provision for credit losses
504,525
507,366
359,856*
452,542
Trust and securities processing
98,295
94,667
86,615*
87,926
Trading and investment banking
5,314
7,740
5,511*
7,026
Service charges on deposit accounts
29,588
29,474
26,184*
29,150
Insurance fees and commissions
207
255
166*
307
Brokerage fees
25,400
21,089
18,100*
20,470
Bankcard fees
29,954
28,878
26,056*
29,561
Investment securities losss, net
27,087
3,046
-19,421*
-4,093
Other
29,660
19,644
8,617*
32,951
Total noninterest income
245,505
204,793
151,826*
203,298
Salaries and employee benefits
227,162
219,681
233,064*
220,329
Occupancy, net
19,277
19,075
17,142*
19,149
Equipment
13,942
13,320
15,432*
16,563
Supplies and services
5,504
5,604
3,191*
10,492
Marketing and business development
13,916
13,792
12,025*
11,094
Processing fees
43,073
42,059
39,877*
45,008
Legal and consulting
14,415
9,087
32,178*
21,616
Bankcard
11,873
11,841
13,296*
11,775
Amortization of other intangible assets
23,460
23,460
17,644*
25,317
Regulatory fees
9,097
8,270
2,726*
8,091
Other
17,914
14,694
17,548*
29,851
Total noninterest expense
399,633
380,883
404,121*
419,285
Income before income taxes
350,397
331,276
107,561*
236,555
Income tax expense
72,827
69,838
13,728*
48,239
Net income
277,570
261,438
93,833*
188,316
Less preferred dividends
5,812
5,813
2,847*
7,944
Net income available to common shareholders
271,758
255,625
90,986
180,372
Basic EPS
3.58
3.36
1.34
2.38
Diluted EPS
3.56
3.35
1.33
2.36
Basic Average Shares
75,972,781
76,032,620
67,910,221
75,943,943
Diluted Average Shares
76,392,233
76,399,233
68,403,313
76,366,818
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Taxable interest
$146,593K
(19.93%↑ Y/Y)
Tax-exempt interest
$35,181K
(6.53%↑ Y/Y)
Loans
$643,995K
(5.16%↑ Y/Y)
Total securities
income
$181,774K
(17.08%↑ Y/Y)
Interest-bearing due from banks
$33,950K
(-54.04%↓ Y/Y)
Federal funds and resell
agreements
$11,259K
(28.92%↑ Y/Y)
Trading securities
$388K
(52.16%↑ Y/Y)
Total interest income
$871,366K
(2.45%↑ Y/Y)
Net interest income
$532,525K
(14.03%↑ Y/Y)
Trust and securities
processing
$98,295K
(18.05%↑ Y/Y)
Bankcard fees
$29,954K
(3.23%↑ Y/Y)
Other
$29,660K
(80.09%↑ Y/Y)
Service charges on
deposit accounts
$29,588K
(2.50%↑ Y/Y)
Investment securities
losss, net
$27,087K
(-28.12%↓ Y/Y)
Brokerage fees
$25,400K
(23.75%↑ Y/Y)
Trading and investment
banking
$5,314K
(-13.87%↓ Y/Y)
Insurance fees and
commissions
$207K
(9.52%↑ Y/Y)
Total interest
expense
$338,841K
(-11.65%↓ Y/Y)
Net interest income
after provision for...
$504,525K
(13.12%↑ Y/Y)
Total noninterest
income
$245,505K
(10.50%↑ Y/Y)
Provision for credit
losses
$28,000K
(33.33%↑ Y/Y)
Deposits
$298,927K
(-12.89%↓ Y/Y)
Federal funds and
repurchase agreements
$28,953K
(5.58%↑ Y/Y)
Other
-$10,961K
(15.27%↑ Y/Y)
Income before income
taxes
$350,397K
(27.40%↑ Y/Y)
Total noninterest
expense
$399,633K
(1.64%↑ Y/Y)
Net income
$277,570K
(27.68%↑ Y/Y)
Income tax expense
$72,827K
(26.33%↑ Y/Y)
Salaries and employee
benefits
$227,162K
(6.37%↑ Y/Y)
Processing fees
$43,073K
(-1.29%↓ Y/Y)
Amortization of other
intangible assets
$23,460K
(-7.16%↓ Y/Y)
Occupancy, net
$19,277K
(3.80%↑ Y/Y)
Other
$17,914K
(0.09%↑ Y/Y)
Legal and consulting
$14,415K
(-21.95%↓ Y/Y)
Equipment
$13,942K
(-15.12%↓ Y/Y)
Marketing and business
development
$13,916K
(22.67%↑ Y/Y)
Bankcard
$11,873K
(-3.96%↓ Y/Y)
Regulatory fees
$9,097K
(-1.75%↓ Y/Y)
Supplies and services
$5,504K
(-13.77%↓ Y/Y)
Net income
available to common...
$271,758K
(26.17%↑ Y/Y)
Less preferred
dividends
$5,812K
(188.87%↑ Y/Y)
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UMB FINANCIAL CORP (UMBF)
UMB FINANCIAL CORP (UMBF)