{ "schemaVersion": 1, "organisationId": "O-f1ad3feb7679459bb6c81b75fae59ffd", "slug": "umb-financial-corp", "name": "UMB FINANCIAL CORP", "updatedAt": "2026-10-02T13:11:27.850633Z", "sections": [ { "type": "OVERVIEW", "text": "UMB Financial Corporation is a Kansas City-headquartered financial holding company whose core business is banking and financial services. Through its bank and related businesses, it serves commercial, institutional, personal, government and correspondent-bank customers, offering services including asset management, trust, bankcard and cash management, as well as fund accounting and transfer agency services. Its principal banking footprint is in the Midwest, Southwest and West; its branch network spans 13 states, and the company also provides services internationally. [P116672880][P111382012][P47974445][https://investorrelations.umb.com/news/news-details/2025/UMB-Financial-Corporation-Completes-Acquisition-of-Heartland-Financial-USA-Inc/default.aspx]\n\nUMB’s stated mission is “to exceed the expectations of our customers and communities.” [https://www.umb.com/about-umb] For fiscal 2025, it reported $1.862 billion in net interest income and $790.1 million in noninterest income. [T1376263] The company has described its post-acquisition workforce as more than 5,000 associates. [https://www.umb.com/insights/inside-umb-news-our-purchase-of-htlf]\n[P116672880][P111382012][P47974445][https://investorrelations.umb.com/news/news-details/2025/UMB-Financial-Corporation-Completes-Acquisition-of-Heartland-Financial-USA-Inc/default.aspx][https://www.umb.com/about-umb][T1376263][T1376263][https://www.umb.com/insights/inside-umb-news-our-purchase-of-htlf][https://investorrelations.umb.com/news/news-details/2025/UMB-Financial-Corporation-Completes-Acquisition-of-Heartland-Financial-USA-Inc/default.aspx][https://www.umb.com/about-umb][https://www.umb.com/insights/inside-umb-news-our-purchase-of-htlf]", "updatedAt": "2026-10-02T13:11:27.850633Z" }, { "type": "PRODUCTS", "text": "UMB Financial offers personal banking products including checking and savings accounts, credit cards, mortgage and home-equity loans, personal loans and auto loans. Its digital banking services include mobile check deposit, bill payment, transfers, account-balance and transaction views, and card controls. [https://www.umb.com/personal-banking/products-services] [https://www.umb.com/personal-banking/banking-with-us/mobile-banking]\n\nBusiness banking and treasury-management services include deposits and lending, ACH and wire payments, positive-pay fraud controls, lockbox, remote deposit, reconciliation and online account management. Its Integrated Payables service combines virtual-card, ACH, check and wire payments through a single-file solution. Institutional offerings include custody, fund accounting and investor servicing, corporate-trust and agency services, and healthcare services. [https://www.umb.com/business-banking/treasury-management] [https://www.umb.com/business-banking/treasury-management/accounts-payable/integrated-payables] [https://www.umb.com/institutional-banking/umb-fund-services] [https://www.umb.com/institutional-banking/corporate-trust-and-agency-services]\n\nUMB Healthcare Services provides health savings accounts (HSAs) and flexible spending account services. HSA features include a Visa debit card, mobile and wearable wallet compatibility, online bill pay and reimbursements, and an investment option; employer services include account reporting and employee tools. Wealth-management offerings include financial planning, investment and portfolio management, trust and estate administration, and insurance solutions. [https://www.umb.com/hsa/features] [https://www.umb.com/hsa/features/invest-in-your-hsa] [https://www.umb.com/hsa/employers] [https://www.umb.com/wealth-management]\n\nIn its six months ended June 30, 2026, UMB reported $192.962 million of trust and securities processing revenue and $58.832 million of bankcard fees; these are consolidated fee categories, not product-level revenue shares. [T16561179]\n[T16561179][T16561179][https://www.umb.com/personal-banking/products-services][https://www.umb.com/personal-banking/banking-with-us/mobile-banking][https://www.umb.com/business-banking/treasury-management][https://www.umb.com/business-banking/treasury-management/accounts-payable/integrated-payables][https://www.umb.com/institutional-banking/umb-fund-services][https://www.umb.com/institutional-banking/corporate-trust-and-agency-services][https://www.umb.com/hsa/features][https://www.umb.com/hsa/features/invest-in-your-hsa][https://www.umb.com/hsa/employers][https://www.umb.com/wealth-management]", "updatedAt": "2026-10-02T13:11:27.850633Z" }, { "type": "GEOGRAPHY", "text": "UMB Financial’s banking footprint covers 14 U.S. states: Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah, and Wisconsin. The company identifies its principal office in Missouri and describes serving customers in the United States and internationally; the available information does not specify foreign office locations or revenue by country or region. [P144794197][P116672880][https://locations.umb.com/]\n\nUMB’s principal executive office is at 1010 Grand Boulevard in Kansas City, Missouri. Other identified Kansas City facilities include 928 Grand Boulevard and 1008 Oak Street. Geographic employee distribution is not specified. [P100960233][P71205830][P38424257][D349402][D281175]\n[P144794197][P116672880][https://locations.umb.com/][P100960233][P71205830][P38424257][D349402][D281175][https://locations.umb.com/]", "updatedAt": "2026-10-02T13:11:27.850633Z" }, { "type": "SEGMENTS", "text": "UMB Financial Corp. reports three business segments: Commercial Banking, Institutional Banking and Personal Banking. The 2026 second-quarter filing confirms this three-segment structure and notes that prior-period results were reclassified to match the current organization. [P144794464][P144794466]\n\nCommercial Banking provides banking and treasury-management services to small- and middle-market businesses, including commercial and real-estate lending, specialty lending and cash management. In 2025, it reported net income of $497.0 million, approximately 70.8% of total segment net income. [P144794468][T5173694] Institutional Banking serves institutional clients through banking, fund services, asset management and healthcare services, including fixed-income services, corporate trust, custody and fund administration. Its 2025 net income was $214.3 million, about 30.5% of the total. [P144794469][T5173694] Personal Banking provides consumer banking and wealth-management services through branch and digital channels, including deposits, consumer and mortgage lending, private banking, trust, brokerage, insurance and investment advisory. It reported a 2025 net loss of $8.8 million, equivalent to approximately -1.3% of total segment net income. [P144794470][T5173694] Percentages are calculated from 2025 segment net income of $702.4 million in total. [T5173694]\n[P144794464][P144794466][P144794468][P144794469][P144794470][T5173694]", "updatedAt": "2026-10-02T13:11:27.850633Z" }, { "type": "HISTORY", "text": "UMB traces its origins to City Center Bank, chartered in Kansas City in April 1913; W. T. Kemper acquired controlling stock in 1918. In 1961, UMB became the first Kansas City bank to install electronic data processors, an early milestone in its development. [https://www.umb.com/about-umb/our-history]\n\nThe company expanded through acquisitions in Colorado and Kansas in the early 1990s, and in 1994 its holding company changed its name from United Missouri Bancshares to UMB Financial Corporation. Further expansion included the 2006 acquisition of Mountain States Bancorporation, the 2008 acquisition of Citadel Bank, and the completion of the Marquette Financial Companies acquisition in 2015. [https://investorrelations.umb.com/financials/mergers-and-acquisitions/default.aspx] [https://investorrelations.umb.com/news/news-details/2015/UMB-Financial-Corporation-Finalizes-Acquisition-of-Marquette-Financial-Companies/default.aspx]\n\nJ. Mariner Kemper became chairman and CEO in 2004. In January 2024, James D. Rine became president while Kemper remained chairman and CEO. UMB completed its acquisition of Heartland Financial USA on January 31, 2025, expanding its footprint from eight to 13 states; it completed the systems and brand conversion for Heartland’s former divisions in October 2025. [https://ourstories.umb.com/] [https://investorrelations.umb.com/news/news-details/2025/UMB-Financial-Corporation-Completes-Acquisition-of-Heartland-Financial-USA-Inc/default.aspx] [https://investorrelations.umb.com/news/news-details/2025/UMB-Successfully-Completes-Systems-and-Brand-Conversion-Following-Acquisition-of-Heartland-Financial-USA-Inc-/default.aspx]\n[https://www.umb.com/about-umb/our-history][https://investorrelations.umb.com/financials/mergers-and-acquisitions/default.aspx][https://investorrelations.umb.com/news/news-details/2015/UMB-Financial-Corporation-Finalizes-Acquisition-of-Marquette-Financial-Companies/default.aspx][https://ourstories.umb.com/][https://investorrelations.umb.com/news/news-details/2025/UMB-Financial-Corporation-Completes-Acquisition-of-Heartland-Financial-USA-Inc/default.aspx][https://investorrelations.umb.com/news/news-details/2025/UMB-Successfully-Completes-Systems-and-Brand-Conversion-Following-Acquisition-of-Heartland-Financial-USA-Inc-/default.aspx]", "updatedAt": "2026-10-02T13:11:27.850633Z" } ], "sources": [ { "id": "P116672880", "href": "https://app.finbar.com/go?id=P116672880", "label": "UMB FINANCIAL CORP — Full financial report (2025 Y)", "documentId": "D-14605dfa0c014fa9ae72514f049c6fa7" }, { "id": "P111382012", "href": "https://app.finbar.com/go?id=P111382012", "label": "UMB FINANCIAL CORP — Full financial report (2025 Y)", "documentId": "D-14605dfa0c014fa9ae72514f049c6fa7" }, { "id": "P47974445", "href": "https://app.finbar.com/go?id=P47974445", "label": "UMB FINANCIAL CORP — Full financial report (2025 Y)", "documentId": "D-14605dfa0c014fa9ae72514f049c6fa7" }, { "id": "https://investorrelations.umb.com/news/news-details/2025/UMB-Financial-Corporation-Completes-Acquisition-of-Heartland-Financial-USA-Inc/default.aspx", "href": "https://investorrelations.umb.com/news/news-details/2025/UMB-Financial-Corporation-Completes-Acquisition-of-Heartland-Financial-USA-Inc/default.aspx", "label": "investorrelations.umb.com" }, { "id": "https://www.umb.com/about-umb", "href": "https://www.umb.com/about-umb", "label": "www.umb.com" }, { "id": "T1376263", "href": "https://app.finbar.com/go?id=T1376263", "label": "UMB FINANCIAL CORP — Full financial report (2025 Y)", "documentId": "D-14605dfa0c014fa9ae72514f049c6fa7" }, { "id": "https://www.umb.com/insights/inside-umb-news-our-purchase-of-htlf", "href": "https://www.umb.com/insights/inside-umb-news-our-purchase-of-htlf", "label": "www.umb.com" }, { "id": "https://www.umb.com/personal-banking/products-services", "href": "https://www.umb.com/personal-banking/products-services", "label": "www.umb.com" }, { "id": "https://www.umb.com/personal-banking/banking-with-us/mobile-banking", "href": "https://www.umb.com/personal-banking/banking-with-us/mobile-banking", "label": "www.umb.com" }, { "id": "https://www.umb.com/business-banking/treasury-management", "href": "https://www.umb.com/business-banking/treasury-management", "label": "www.umb.com" }, { "id": "https://www.umb.com/business-banking/treasury-management/accounts-payable/integrated-payables", "href": "https://www.umb.com/business-banking/treasury-management/accounts-payable/integrated-payables", "label": "www.umb.com" }, { "id": "https://www.umb.com/institutional-banking/umb-fund-services", "href": "https://www.umb.com/institutional-banking/umb-fund-services", "label": "www.umb.com" }, { "id": "https://www.umb.com/institutional-banking/corporate-trust-and-agency-services", "href": "https://www.umb.com/institutional-banking/corporate-trust-and-agency-services", "label": "www.umb.com" }, { "id": "https://www.umb.com/hsa/features", "href": "https://www.umb.com/hsa/features", "label": "www.umb.com" }, { "id": "https://www.umb.com/hsa/features/invest-in-your-hsa", "href": "https://www.umb.com/hsa/features/invest-in-your-hsa", "label": "www.umb.com" }, { "id": "https://www.umb.com/hsa/employers", "href": "https://www.umb.com/hsa/employers", "label": "www.umb.com" }, { "id": "https://www.umb.com/wealth-management", "href": "https://www.umb.com/wealth-management", "label": "www.umb.com" }, { "id": "T16561179", "href": "https://app.finbar.com/go?id=T16561179", "label": "UMB FINANCIAL CORP — Full financial report (2026 Q 2)", "documentId": "D-a16e60df9a1643b89d41c905cf40b61b" }, { "id": "P144794197", "href": "https://app.finbar.com/go?id=P144794197", "label": "UMB FINANCIAL CORP — Full financial report (2026 Q 2)", "documentId": "D-a16e60df9a1643b89d41c905cf40b61b" }, { "id": "https://locations.umb.com/", "href": "https://locations.umb.com/", "label": "locations.umb.com" }, { "id": "P100960233", "href": "https://app.finbar.com/go?id=P100960233", "label": "UMB FINANCIAL CORP — Full financial report (2025 Y)", "documentId": "D-14605dfa0c014fa9ae72514f049c6fa7" }, { "id": "P71205830", "href": "https://app.finbar.com/go?id=P71205830", "label": "UMB FINANCIAL CORP — Full financial report (2025 Y)", "documentId": "D-14605dfa0c014fa9ae72514f049c6fa7" }, { "id": "P38424257", "href": "https://app.finbar.com/go?id=P38424257", "label": "UMB FINANCIAL CORP — Full financial report (2025 Y)", "documentId": "D-14605dfa0c014fa9ae72514f049c6fa7" }, { "id": "D349402", "href": "https://app.finbar.com/go?id=D349402", "label": "UMB FINANCIAL CORP — Full financial report (2026 Q 2)", "documentId": "D-a16e60df9a1643b89d41c905cf40b61b" }, { "id": "D281175", "href": "https://app.finbar.com/go?id=D281175", "label": "UMB FINANCIAL CORP — Full financial report (2025 Y)", "documentId": "D-14605dfa0c014fa9ae72514f049c6fa7" }, { "id": "P144794464", "href": "https://app.finbar.com/go?id=P144794464", "label": "UMB FINANCIAL CORP — Full financial report (2026 Q 2)", "documentId": "D-a16e60df9a1643b89d41c905cf40b61b" }, { "id": "P144794466", "href": "https://app.finbar.com/go?id=P144794466", "label": "UMB FINANCIAL CORP — Full financial report (2026 Q 2)", "documentId": "D-a16e60df9a1643b89d41c905cf40b61b" }, { "id": "P144794468", "href": "https://app.finbar.com/go?id=P144794468", "label": "UMB FINANCIAL CORP — Full financial report (2026 Q 2)", "documentId": "D-a16e60df9a1643b89d41c905cf40b61b" }, { "id": "T5173694", "href": "https://app.finbar.com/go?id=T5173694", "label": "UMB FINANCIAL CORP — Full financial report (2025 Y)", "documentId": "D-14605dfa0c014fa9ae72514f049c6fa7" }, { "id": "P144794469", "href": "https://app.finbar.com/go?id=P144794469", "label": "UMB FINANCIAL CORP — Full financial report (2026 Q 2)", "documentId": "D-a16e60df9a1643b89d41c905cf40b61b" }, { "id": "P144794470", "href": "https://app.finbar.com/go?id=P144794470", "label": "UMB FINANCIAL CORP — Full financial report (2026 Q 2)", "documentId": "D-a16e60df9a1643b89d41c905cf40b61b" }, { "id": "https://www.umb.com/about-umb/our-history", "href": "https://www.umb.com/about-umb/our-history", "label": "www.umb.com" }, { "id": "https://investorrelations.umb.com/financials/mergers-and-acquisitions/default.aspx", "href": "https://investorrelations.umb.com/financials/mergers-and-acquisitions/default.aspx", "label": "investorrelations.umb.com" }, { "id": "https://investorrelations.umb.com/news/news-details/2015/UMB-Financial-Corporation-Finalizes-Acquisition-of-Marquette-Financial-Companies/default.aspx", "href": "https://investorrelations.umb.com/news/news-details/2015/UMB-Financial-Corporation-Finalizes-Acquisition-of-Marquette-Financial-Companies/default.aspx", "label": "investorrelations.umb.com" }, { "id": "https://ourstories.umb.com/", "href": "https://ourstories.umb.com/", "label": "ourstories.umb.com" }, { "id": "https://investorrelations.umb.com/news/news-details/2025/UMB-Successfully-Completes-Systems-and-Brand-Conversion-Following-Acquisition-of-Heartland-Financial-USA-Inc-/default.aspx", "href": "https://investorrelations.umb.com/news/news-details/2025/UMB-Successfully-Completes-Systems-and-Brand-Conversion-Following-Acquisition-of-Heartland-Financial-USA-Inc-/default.aspx", "label": "investorrelations.umb.com" } ] }