{"url_path":"/sec/umbf/10-k/2026/item-3","section_key":"item-3","section_title":"Item 3 LEGAL PROCEEDINGS","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":56,"has_tables":true,"body_markdown":"## ITEM 3. LEGAL PROCEEDINGS\n\nIn the normal course of business, the Company and its subsidiaries are named defendants in various legal proceedings. In the opinion of management, after consultation with legal counsel, none of these proceedings are expected to have a material effect on the financial position, results of operations, or cash flows of the Company."}