UMB Financial Corp

UMB Financial Corporation (Nasdaq: UMBF) is a diversified financial services holding company operating through UMB Bank, n.a. It reports three segments.

**Commercial Banking**
- C&I, middle market, small business, commercial real estate and construction lending.
- Specialized verticals including agribusiness, energy, asset-based, franchise, healthcare, aviation, beverage and practice finance lending.
- Treasury management, merchant payments and commercial cards.

**Personal Banking**
- Retail deposits and lending through 192 banking centers and 360 ATMs.
- Consumer mortgage and private banking.
- Private wealth management with about $18.4B in AUM and $5.2B in AUA, plus personal trust and private equity investment access.

**Institutional Banking**
- About $621.5B in assets under administration.
- Fund services: fund accounting and administration, transfer agency, ETF servicing and alternative investment servicing.
- Institutional custody, corporate trust and specialty trust and agency services, including CLO trustee and aviation/ABS agency.
- Capital Markets Division fixed income sales, trading and public finance.
- Investor Solutions, including banking-as-a-service and an FDIC sweep program.
- Healthcare Services: HSAs, FSAs, HRAs and benefit cards, with 2.0 million HSA account holders.

Following its January 2025 acquisition of Heartland Financial USA (HTLF), UMB operates branches across Missouri, Arizona, California, Colorado, Iowa, Kansas, Illinois, Minnesota, Nebraska, New Mexico, Oklahoma, Texas, Utah and Wisconsin. It also serves business clients nationwide and institutional clients in several countries, including through a trust and agency presence in Dublin, Ireland. As of September 30, 2026, the company had $42.5B in loans, $60.2B in deposits and $72.7B in total assets. Fee income comprises roughly 30% of revenue. Updated Oct 28, 2026