UMB Financial Corp

UMB Financial Corporation (Nasdaq: UMBF) is a diversified financial services company operating through three reportable segments: Commercial Banking, Institutional Banking, and Personal Banking. Commercial Banking provides comprehensive C&I lending, commercial real estate, specialized lending verticals (agribusiness, energy, franchise, healthcare, asset-based, and aviation lending), treasury management, merchant payments, and retirement plan services. Institutional Banking offers asset servicing and custody (approximately $622 billion in assets under administration), fund accounting and administration, corporate trust and escrow services, capital markets (fixed income sales and trading, public finance), investor solutions (banking-as-a-service for fintechs), and healthcare services including health savings accounts serving approximately 5.3 million accounts. Personal Banking delivers retail deposit and lending services through 192 banking centers across 14 states, private banking, private wealth management (~$18.8 billion in AUM), mortgage lending, and a private investment division that deploys equity and subordinated debt into lower-middle market businesses. UMB serves business clients nationwide and institutional clients in several countries, with a geographic footprint spanning Missouri, Arizona, California, Colorado, Iowa, Kansas, Illinois, Minnesota, Nebraska, New Mexico, Oklahoma, Texas, Utah, and Wisconsin. The company completed its acquisition of Heartland Financial USA in January 2025, significantly expanding its scale and market presence. Updated Jul 28, 2026