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STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\n \n\nFORM 10-K\n\n \n\n(Mark One)\n\n☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the fiscal year ended: December 31, 2025\n\nOR\n\n☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the transition period from to ___\n\nCommission file number: 001-38481\n\n \n\nUMB FINANCIAL CORPORATION\n\n(Exact name of registrant as specified in its charter)\n\n \n\n \n\nMissouri\n\n43-0903811\n\n(State or other jurisdiction of incorporation or organization)\n\n(I.R.S. Employer Identification No.)\n\n \n\n1010 Grand Boulevard, Kansas City, Missouri\n\n64106\n\n(Address of principal executive offices)\n\n(Zip Code)\n\n \n\n(Registrant's telephone number, including area code): (816) 860-7000\n\nSecurities Registered Pursuant to Section 12(b) of the Act:\n\nTitle of each class\n\nTrading Symbol(s)\n\nName of each exchange on which registered\n\nCommon Stock, $1.00 Par Value\n\nUMBF\n\nThe NASDAQ Global Select Market\n\nDepositary Shares, each representing 1/400th interest in a share of 7.75% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock Series B\n\nUMBFO\n\nThe NASDAQ Global Select Market\n\nSecurities Registered Pursuant to Section 12(g) of the Act: None\n\n \n\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. ☒ Yes ☐ No\n\nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. ☐ Yes ☒ No\n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒ Yes ☐ No\n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company”, and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\n \n\nLarge accelerated filer\n\n☒\n\nAccelerated filer\n\n☐\n\nNon-accelerated filer\n\n☐\n\nSmaller reporting company\n\n☐\n\n \n\n \n\n \n\n \n\nEmerging growth company\n\n \n\n☐\n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\nIndicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issues its audit report. ☒\n\nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐\n\nIndicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). ☐ Yes ☒ No\n\nAs of June 30, 2025, the aggregate market value of common stock outstanding held by nonaffiliates of the registrant was approximately $7,565,682,253 based on the closing price of the registrant’s common stock on the NASDAQ Global Select Market on that date.\n\nIndicate the number of shares outstanding of each of the registrant's classes of common stock, as of the latest practicable date.\n\n \n\nClass\n\nOutstanding at February 20, 2026\n\nCommon Stock, $1.00 Par Value\n\n76,135,481\n\nDOCUMENTS INCORPORATED BY REFERENCE\n\nPortions of the Company's Definitive Proxy Statement on Schedule 14A (the “Proxy Statement”) to be delivered to shareholders in connection with the Annual Meeting of Shareholders to be held on April 28, 2026, are incorporated by reference into Part III of this Annual Report on Form 10-K.\n\n \n\n \n\nINDEX\n\n \n\n[PART I](#part_i)\n\n4\n\n \n\n \n\n[ITEM 1. BUSINESS](#item_1_business)\n\n4\n\n \n\n \n\n[ITEM 1A. RISK FACTORS](#item_1a_risk_factors)\n\n15\n\n \n\n \n\n[ITEM 1B. UNRESOLVED STAFF COMMENTS](#item_1b_unresolved_staff_comments)\n\n30\n\n \n\n \n\n[ITEM 1C. CYBERSECURITY](#item_1c_cybersecurity)\n\n30\n\n \n\n \n\n[ITEM 2. PROPERTIES](#item_2_properties)\n\n32\n\n \n\n \n\n[ITEM 3. LEGAL PROCEEDINGS](#item_3_legal_proceedings)\n\n33\n\n \n\n \n\n[ITEM 4. MINE SAFETY DISCLOSURES](#item_4_mine_safety_disclosures)\n\n33\n\n \n\n \n\n[PART II](#part_ii)\n\n34\n\n \n\n \n\n[ITEM 5. MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES](#item_5_market_for_registrants_common_equ)\n\n34\n\n \n\n \n\n[ITEM 6. [RESERVED]](#item_6_reserved)\n\n35\n\n \n\n \n\n[ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS](#item_7_managements_discussion_analysis_f)\n\n36\n\n \n\n \n\n[ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK](#item_7a_quantitative_qualitative_disclos)\n\n65\n\n \n\n \n\n[ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA](#item_8_financial_statements_supplementar)\n\n73\n\n \n\n \n\n[ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE](#item_9_changes_in_disagreements_with_acc)\n\n150\n\n \n\n \n\n[ITEM 9A. CONTROLS AND PROCEDURES](#item_9a_controls_procedures)\n\n150\n\n \n\n \n\n[ITEM 9B. OTHER INFORMATION](#item_9b_or_information)\n\n152\n\n \n\n \n\n[ITEM 9C. DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS](#item_9c_foreign_jurisidictions)\n\n152\n\n \n\n \n\n[PART III](#part_iii)\n\n153\n\n \n\n \n\n[ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE](#item_10_directors_executive_ficers_corpo)\n\n153\n\n \n\n \n\n[ITEM 11. EXECUTIVE COMPENSATION](#item_11_executive_compensation)\n\n153\n\n \n\n \n\n[ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS](#item_12_security_ownership_certain_benef)\n\n153\n\n \n\n \n\n[ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE](#item_13_certain_relationships_related_tr)\n\n154\n\n \n\n \n\n[ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES](#item_14_principal_accountant_fees_servic)\n\n154\n\n \n\n \n\n[PART IV](#part_iv)\n\n155\n\n \n\n \n\n[ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES](#item_15_exhibits_financial_statement_sch)\n\n155\n\n \n\n \n\n[ITEM 16. FORM 10-K SUMMARY](#item_16_form_10k_summary)\n\n157\n\n \n\n \n\n[SIGNATURES](#signatures)\n\n158\n\n \n\n \n\nCERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT\n\n \n\n \n\n \n\nCERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT\n\n \n\n \n\n \n\nCERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002\n\n \n\n \n\n \n\nCERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002\n\n \n\n \n\n \n\n \n\n \n\n \n\n \n\n# PART I"}