UMB Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	2,501	573.18	452.25	507.68	413.82
Investment Securities	27,049	7,291	7,122	7,300	6,642
Trading Asset Securities	22.33	262.98	179.59	66.1	89.56
Mortgage-Backed Securities	-	6,944	6,359	6,948	8,361
Total Investments	27,071	14,498	13,661	14,313	15,093
Gross Loans	38,779	25,642	23,172	21,031	17,171
Allowance for Loan Losses	-419.48	-259.09	-219.74	-191.84	-194.77
Net Loans	38,360	25,383	22,953	20,839	16,976
Property, Plant & Equipment	398.27	252.24	261.29	272.56	275.28
Goodwill	1,840	207.39	207.39	207.39	174.52
Other Intangible Assets	486.87	80.78	101.42	124.41	67.17
Loans Held for Sale	2.03	2.76	4.42	1.98	1.28
Accrued Interest Receivable	349.64	246.1	220.31	189.23	131.1
Other Receivables	-	100.2	86.6	76.1	73.6
Restricted Cash	-	7,876	5,081	1,057	8,801
Long-Term Deferred Tax Assets	-	244.04	222.2	248.43	-
Other Real Estate Owned & Foreclosed	-	28.39	1.74	0.07	-
Other Long-Term Assets	2,086	918.19	759.15	674.64	686.93
Total Assets	73,094	50,410	44,012	38,512	42,693
Accrued Expenses	435.35	364.32	384.77	236.54	224.8
Interest Bearing Deposits	41,687	28,366	22,882	18,841	18,809
Institutional Deposits	1,826	1,159	780.69	538.05	447.98
Non-Interest Bearing Deposits	17,143	13,617	12,131	13,260	16,343
Total Deposits	60,657	43,142	35,793	32,639	35,600
Short-Term Borrowings	3,325	2,717	4,025	2,349	3,252
Current Portion of Leases	-	12.02	-	-	-
Other Current Liabilities	-	7.1	8.02	3.5	3.2
Long-Term Debt	474.23	308.51	307.64	306.76	198.33
Long-Term Leases	-	43.1	58.9	63.5	64.6
Trust Preferred Securities	-	76.78	75.61	74.55	73.21
Long-Term Deferred Tax Liabilities	-	-	-	-	22.1
Other Long-Term Liabilities	509.21	272.11	258.73	172.88	109.51
Total Liabilities	65,401	46,943	40,911	35,845	39,548
Preferred Stock, Non-Redeemable	294.07	-	-	-	-
Total Preferred Equity	294.07	-	-	-	-
Common Stock	78.67	55.06	55.06	55.06	55.06
Additional Paid-In Capital	4,011	1,146	1,134	1,126	1,111
Retained Earnings	3,736	3,175	2,811	2,536	2,177
Treasury Stock	-165.1	-336.05	-342.89	-347.26	-323.47
Comprehensive Income & Other	-261.52	-573.05	-556.94	-702.74	126.31
Total Common Equity	7,400	3,467	3,100	2,667	3,145
Shareholders' Equity	7,694	3,467	3,100	2,667	3,145
Total Liabilities & Equity	73,094	50,410	44,012	38,512	42,693
Total Debt	3,799	3,158	4,467	2,793	3,589
Net Cash (Debt)	5,664	-1,666	-3,516	-1,146	-1,828
Net Cash Per Share	76.89	-33.95	-72.10	-23.51	-37.50
Filing Date Shares Outstanding	75.96	72.59	48.74	48.5	48.46
Total Common Shares Outstanding	75.96	48.81	48.55	48.32	48.43
Book Value Per Share	97.41	71.02	63.85	55.20	64.95
Tangible Book Value	5,073	3,178	2,792	2,335	2,904
Tangible Book Value Per Share	66.78	65.11	57.49	48.33	59.96

Source: S&P Global Market Intelligence. Banks template. Financial Sources.