{"url_path":"/sec/umbf/10-k/2026/item-2","section_key":"item-2","section_title":"Item 2 PROPERTIES","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":324,"has_tables":true,"body_markdown":"## ITEM 2. PROPERTIES\n\nThe Company's headquarters building is located at 1010 Grand Boulevard in downtown Kansas City, Missouri. The building opened in July 1986 and all 250,000 square feet are occupied by departments and customer service functions of the Bank, as well as administrative offices for the Company.\n\nOther main facilities of the Bank in downtown Kansas City, Missouri are located at 928 Grand Boulevard (215,000 square feet) and 1008 Oak Street (200,000 square feet). The 928 Grand building houses administrative support functions for the Bank. The 1008 Oak building, which opened during 1999, houses the Company’s operations and data processing functions.\n\nThe Bank leases 42,403 square feet in the Hertz Building located at 2 South Broadway in the heart of the commercial sector of downtown St. Louis, Missouri. This location has a full-service banking center and is home to administrative support functions for the Bank.\n\nThe Bank also leases 34,681 square feet on the first, second, and fifth floors of the 1670 Broadway building located in the financial district of downtown Denver, Colorado. The location has a full-service banking center and is home to operational and administrative support functions for the Bank.\n\nThe Bank leases 86,721 square feet at 700 Locust in Dubuque, Iowa. This location provides retail and commercial banking services and corporate support services.\n\n32\n\n \n\nAs of December 31, 2025, the Bank operated a total of 193 banking centers.\n\nUMBFS leases 85,164 square feet at 235 West Galena Street in Milwaukee, Wisconsin, for its fund services operations. Additionally, UMBFS leases 18,655 square feet at 2225 Washington Boulevard in Ogden, Utah, and 8,339 square feet at 223 Wilmington West Chester Pike in Chadds Ford, Pennsylvania.\n\nAdditional information with respect to properties, premises and equipment is presented in Note 1, “Summary of Significant Accounting Policies,” and Note 8, “Premises, Equipment, and Leases,” in the Notes to the Consolidated Financial Statements in Item 8 of this report, and is hereby incorporated by reference herein."}