{"url_path":"/sec/umbf/10-k/2026/item-16","section_key":"item-16","section_title":"Item 16 FORM 10-K SUMMARY","topic":"sec","document":{"doc_type":"10-K","doc_date":"2026-02-26","source_url":"https://www.sec.gov/Archives/edgar/data/101382/0001193125-26-076496-index.html","accession_number":"0001193125-26-076496","cik":"0000101382","ticker":"UMBF","issuer_name":"UMB FINANCIAL CORP","edgar_url":"https://www.sec.gov/Archives/edgar/data/101382/0001193125-26-076496-index.html","primary_entity_key":"0000101382","primary_entity_name":"UMB FINANCIAL CORP"},"word_count":261,"has_tables":true,"body_markdown":"## ITEM 16. FORM 10-K SUMMARY\n\nNone.\n\n157\n\n \n\n## SIGNATURES\n\nPursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, as of February 26, 2026.\n\n \n\n \n\n \n\nUMB FINANCIAL CORPORATION\n\n \n\n \n\n \n\n \n\n \n\n/s/ J. Mariner Kemper\n\n \n\n \n\nJ. Mariner Kemper\n\n \n\n \n\nChairman of the Board,\n\n \n\n \n\nChief Executive Officer\n\n \n\n \n\n \n\n \n\n \n\n/s/ Ram Shankar\n\n \n\n \n\nRam Shankar\n\n \n\n \n\nChief Financial Officer\n\n \n\n \n\n \n\n \n\n \n\n/s/ David C. Odgers\n\n \n\n \n\nDavid C. Odgers\n\n \n\n \n\nChief Accounting Officer\n\n \n\nDate: February 26, 2026\n\nPursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the Registrant and in the capacities on the date indicated.\n\n \n\n/s/ Robin C. Beery\n\nDirector\n\n/s/ Janine A. Davidson\n\nDirector\n\nRobin C. Beery\n\nJanine A. Davidson\n\n \n\n \n\n \n\n \n\n/s/ Kevin C. Gallagher\n\nDirector\n\n/s/ Greg M. Graves\n\nDirector\n\nKevin C. Gallagher\n\n \n\nGreg M. Graves\n\n \n\n \n\n \n\n \n\n \n\n/s/ Bradley J. Henderson\n\nDirector\n\n/s/ Jennifer K. Hopkins\n\nDirector\n\nBradley J. Henderson\n\nJennifer K. Hopkins\n\n \n\n \n\n \n\n \n\n/s/ Gordon E. Lansford III\n\nDirector\n\n/s/ Margaret Lazo\n\nDirector\n\nGordon E. Lansford III\n\nMargaret Lazo\n\n \n\n \n\n \n\n \n\n/s/ Susan G. Murphy\n\nDirector\n\n/s/ Timothy R. Murphy\n\nDirector\n\nSusan G. Murphy\n\nTimothy R. Murphy\n\n \n\n \n\n \n\n \n\n/s/ Tamara M. Peterman\n\nDirector\n\n/s/ Kris A. Robbins\n\nDirector\n\nTamara M. Peterman\n\nKris A. Robbins\n\n \n\n \n\n \n\n \n\n/s/ John K. Schmidt\n\nDirector\n\n/s/ L. Joshua Sosland\n\nDirector\n\nJohn K. Schmidt\n\nL. Joshua Sosland\n\n \n\n \n\n \n\n \n\n/s/ Leroy J. Williams\n\nDirector\n\n/s/ J. Mariner Kemper\n\nDirector, Chairman of the Board, Chief Executive Officer\n\n \n\nLeroy J. Williams\n\nJ. Mariner Kemper\n\nAttorney-in-Fact for each director\n\n \n\n \n\n158"}