UMB Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	1,667	1,001	573.18	452.25	507.68	413.82
Investment Securities	9,360	10,910	7,291	7,122	7,300	6,642
Trading Asset Securities	335.2	303.66	262.98	179.59	66.1	89.56
Mortgage-Backed Securities	10,371	10,682	6,944	6,359	6,948	8,361
Total Investments	20,067	21,895	14,498	13,661	14,313	15,093
Gross Loans	42,530	38,779	25,642	23,172	21,031	17,171
Allowance for Loan Losses	-452.41	-419.48	-259.09	-219.74	-191.84	-194.77
Net Loans	42,078	38,360	25,383	22,953	20,839	16,976
Property, Plant & Equipment	398.42	451.38	252.24	261.29	272.56	275.28
Goodwill	1,838	1,840	207.39	207.39	207.39	174.52
Other Intangible Assets	416.71	497.26	80.78	101.42	124.41	67.17
Loans Held for Sale	3.28	2.03	2.76	4.42	1.98	1.28
Accrued Interest Receivable	346.11	349.64	246.1	220.31	189.23	131.1
Other Receivables	119.3	116.1	100.2	86.6	76.1	73.6
Restricted Cash	3,889	6,819	7,876	5,081	1,057	8,801
Long-Term Deferred Tax Assets	-	279.14	244.04	222.2	248.43	-
Other Real Estate Owned & Foreclosed	3.39	4.8	28.39	1.74	0.07	-
Other Long-Term Assets	1,914	1,479	918.19	759.15	674.64	686.93
Total Assets	72,738	73,094	50,410	44,012	38,512	42,693

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Accrued Expenses	395.44	429.63	364.32	384.77	236.54	224.8
Interest Bearing Deposits	44,056	41,687	28,366	22,882	18,841	18,809
Institutional Deposits	1,525	1,826	1,159	780.69	538.05	447.98
Non-Interest Bearing Deposits	14,589	17,143	13,617	12,131	13,260	16,343
Total Deposits	60,169	60,657	43,142	35,793	32,639	35,600
Short-Term Borrowings	3,481	3,461	2,717	4,025	2,349	3,252
Current Portion of Leases	-	18.13	-	-	-	-
Other Current Liabilities	17.46	4.05	7.1	8.02	3.5	3.2
Long-Term Debt	109.57	254.2	308.51	307.64	306.76	198.33
Long-Term Leases	-	54.53	55.1	58.9	63.5	64.6
Trust Preferred Securities	223.54	220.03	76.78	75.61	74.55	73.21
Long-Term Deferred Tax Liabilities	-	-	-	-	-	22.1
Other Long-Term Liabilities	488.34	301.77	272.13	258.73	172.88	109.51
Total Liabilities	64,885	65,401	46,943	40,911	35,845	39,548

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Preferred Stock, Non-Redeemable	294.07	294.07	-	-	-	-
Total Preferred Equity	294.07	294.07	-	-	-	-
Common Stock	78.67	78.67	55.06	55.06	55.06	55.06
Additional Paid-In Capital	4,025	4,011	1,146	1,134	1,126	1,111
Retained Earnings	4,432	3,736	3,175	2,811	2,536	2,177
Treasury Stock	-184.01	-165.1	-336.05	-342.89	-347.26	-323.47
Comprehensive Income & Other	-793.25	-261.52	-573.05	-556.94	-702.74	126.31
Total Common Equity	7,559	7,400	3,467	3,100	2,667	3,145
Shareholders' Equity	7,853	7,694	3,467	3,100	2,667	3,145
Total Liabilities & Equity	72,738	73,094	50,410	44,012	38,512	42,693

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Total Debt	3,815	4,008	3,158	4,467	2,793	3,589
Net Cash (Debt)	-1,405	-1,083	-1,666	-3,516	-1,146	-1,828
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-18.37	-14.70	-33.95	-72.10	-23.51	-37.50
Filing Date Shares Outstanding	75.95	76.14	72.59	48.74	48.5	48.46
Total Common Shares Outstanding	75.95	75.96	48.81	48.55	48.32	48.43
Book Value Per Share	99.52	97.41	71.02	63.85	55.20	64.95
Tangible Book Value	5,304	5,062	3,178	2,792	2,335	2,904
Tangible Book Value Per Share	69.84	66.65	65.11	57.49	48.33	59.96

SEC Filings: 10-K · 10-Q