UMBFP / UMB Financial Corporation - Preferred Stock - Pemfailan SEC, Laporan Tahunan, Penyata Proksi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 27, 2025 UMB FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 27, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of

PART I – FINANCIAL INFORMATION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 UMB FINANCI

UMB Financial Corporation Reports Second Quarter 2025 Results

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hollander: 816.729.1027 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Second Quarter 2025 Results Second Quarter 2025 Financial Highlights • GAAP net income available to common shareholders o

2nd Quarter 2025Update July 29, 2025

2nd Quarter 2025 Update July 29, 2025 Presentation Index Corporate Overview & Investment Thesis 2nd Quarter 2025 Results Long-Term Performance Trends Appendix 3 11 29 40 48 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 50 for important disclosures about information contained in this presentation.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 7/29/2025 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 7/29/2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

Termination of Certificate of Designation of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A, dated July 15, 2025

EX-3.1 Exhibit 3.1 TERMINATION OF CERTIFICATE OF DESIGNATION OF 7.00% FIXED-RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A OF UMB FINANCIAL CORPORATION Pursuant to Section 351.180 of The General and Business Corporation Law of Missouri UMB Financial Corporation, a Missouri corporation (the “Corporation”), does hereby certify that: Pursuant to authority conferred upon the Board of Di

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): July 15, 2025 UMB FINANCIAL CORPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): July 15, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporation or organization) (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 A. Full title of the plan: UMB Profit Sha

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 UMB Financial Corporation (Exact Name of Regi

8-A12B UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 UMB Financial Corporation (Exact Name of Registrant as Specified in its Charter) Missouri 43-0903811 (State or incorporation or organization) (I.R.S. Employer Identification No.) 1010 Gran

Certificate of Designation of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B, par value $0.01 per share, of UMB Financial Corporation, dated June 12, 2025.

Exhibit 3.1 CERTIFICATE OF DESIGNATION OF 7.750% FIXED-RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B OF UMB FINANCIAL CORPORATION Effective as of June 12, 2025 UMB Financial Corporation, a corporation organized and existing under the laws of the State of Missouri (the “Corporation”), in accordance with the provisions of Section 351.180 of the General and Business Corporation Law of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): June 12, 2025 UMB FINANCIAL CORPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): June 12, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporation or organization) (

Form of Preferred Stock Certificate filed herewith.

Exhibit 4.3 Number 1 30,000 Shares 7.750% FIXED-RATE RESET 7.750% FIXED-RATE RESET NON-CUMULATIVE PERPETUAL NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B PREFERRED STOCK, SERIESB UMB Financial Corporation SEE REVERSEFOR A CORPORATION FORMED IMPORTANT NOTICEON UNDER THE LAWS OF THE TRANSFER RESTRICTIONS STATE OF MISSOURI AND OTHER INFORMATION CUSIP          ISIN This Certifies that COMPUTERSHA

Deposit Agreement among UMB Financial Corporation, Computershare Trust Company, N.A., Computershare, Inc. and the holders from time to time of the depositary receipts described therein (incorporated by reference to Exhibit 4.1 to the Company’s Form 8-K filed with the SEC on June 12, 2025).

EX-4.1 Exhibit 4.1 DEPOSIT AGREEMENT among UMB FINANCIAL CORPORATION, as Issuer, COMPUTERSHARE TRUST COMPANY, N.A. and COMPUTERSHARE INC., jointly as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of June 12, 2025 TABLE OF CONTENTS PAGE ARTICLE I DEFINED TERMS 1 Section 1.1 Definitions 1 ARTICLE II FORM OF RECEIPTS, DEPOSIT OF SERIES B PREFERRED

Material Modification to Rights of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): June 12, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporation or organization) (

UMB Financial Corporation Announces Full Redemption of Its Series A Preferred Stock; Nasdaq UMBFP

EX-99.1 Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Cynthia Simpson: 816.860.5637 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Announces Full Redemption of Its Series A Preferred Stock; Nasdaq UMBFP June 12, 2025 KANSAS CITY, MO. —(Business Wire)— UMB

UMB Financial Corporation 12,000,000 Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B

Filed Pursuant to Rule 424(b)(4) Registration No. 333-286487 PROSPECTUS SUPPLEMENT (To Prospectus Dated April 11, 2025) UMB Financial Corporation 12,000,000 Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B We are offering 12,000,000 depositary shares (the “depositary shares”) each representing a 1/400th

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): May 29, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporation or organization) (C

UMB Financial Corporation Announces Pricing of an Underwritten Offering of 12,000,000 Depositary Shares Representing Interests in Its Series B Preferred Stock

Exhibit 99.1 UMB Financial Corporation Announces Pricing of an Underwritten Offering of 12,000,000 Depositary Shares Representing Interests in Its Series B Preferred Stock May 29, 2025 KANSAS CITY, Mo.—(BUSINESS WIRE)— UMB Financial Corporation (NASDAQ:UMBF) (“UMB”) announced today that it priced an underwritten public offering of 12,000,000 depositary shares (the “depositary shares”), each repres

Underwriting Agreement, dated as of May 29, 2025, among UMB Financial Corporation, RBC Capital Markets, LLC and J.P. Morgan Securities LLC, as representatives for the underwriters listed in Schedule A thereto.

Exhibit 1.1 Execution Version UMB FINANCIAL CORPORATION (a Missouri corporation) 12,000,000 Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B UNDERWRITING AGREEMENT Dated: May 29, 2025 UMB Financial Corporation (a Missouri corporation) 12,000,000 Depositary Shares Each Representing a 1/400th Interest in a

Table 1: Newly Registered and Carry Forward Securities

Calculation of Filing Fee Tables S-3 UMB FINANCIAL CORP Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Equity Depositary Shares Each Representing a 1/400th Interest in a Share of 7.

SUBJECT TO COMPLETION, DATED MAY 29, 2025

424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-286487 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying base prospectus do not constitute an offer to sell these securities and we are not soliciting offers to buy these securities in any jurisdiction where the offer

DEPOSITARY SHARES EACH REPRESENTING A 1/400TH INTEREST IN A SHARE OF 7.750% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B Pricing Term Sheet

FWP 1 d50836dfwp.htm FWP Issuer Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No. 333-286487 DEPOSITARY SHARES EACH REPRESENTING A 1/400TH INTEREST IN A SHARE OF 7.750% FIXED RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES B Pricing Term Sheet This pricing term sheet supplements the information set forth under “Description of the Series B Preferred Stock” in

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/29/2025 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/29/2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

PART I – FINANCIAL INFORMATION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 UMB FINANC

1st Quarter 2025Update April 29, 2025

1st Quarter 2025 Update April 29, 2025 Presentation Index Corporate Overview & Investment Thesis 1st Quarter 2025 Results Long-Term Performance Trends Appendix 3 13 30 41 49 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 51 for important disclosures about information contained in this presentation.

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/29/2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

UMB Financial Corporation Reports First Quarter 2025 Results

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Cynthia Simpson: 816.860.5637 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports First Quarter 2025 Results First Quarter 2025 Financial Highlights • On January 31, 2025, UMB Financial Corporation completed

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 2) CURRENT REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 31, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorpor

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL DATA

EXHIBIT 99.1 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL DATA Introduction UMB Financial Corporation (“UMB” or the “Company”) is providing the following unaudited pro forma condensed combined financial data to aid stockholders in their analysis of the financial aspects of (i) the merger (the “Merger”) between UMB and Heartland Financial USA, Inc. (“HTLF”), pursuant to the Agreement and Plan o

As filed with the Securities and Exchange Commission on April 11, 2025

S-3ASR Table of Contents As filed with the Securities and Exchange Commission on April 11, 2025 Registration No.

Filing Fee Table**

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) UMB Financial Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule (1) Amount Registered (2) Proposed Maximum Offering Price Per Unit (2) Maximum Aggregate Offering Price (2) Fee Rate (1) Amount of Registration Fee (1) Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to Be Paid Equity Common stock, par value $1.

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL DATA

Exhibit 99.2 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL DATA Introduction UMB Financial Corporation (“UMB” or the “Company”) is providing the following unaudited pro forma condensed combined financial data to aid stockholders in their analysis of the financial aspects of (i) the merger (the “Merger”) between UMB and Heartland Financial USA, Inc. (“HTLF”), pursuant to the Agreement and Plan o

Statement of Eligibility of Trustee on Form T-1 under the Trust Indenture Act of 1939, as amended, of the trustee under the Subordinated Indenture**

EX-25.2 Exhibit 25.2 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE ☐ CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) COMPUTERSHARE TRUST COMPANY, NATIONAL ASSOCIATION (Exact name of trustee as specified in its ch

HEARTLAND FINANCIAL USA, INC. Consolidated Financial Statements December 31, 2024 and 2023 (With Independent Auditors’ Report Thereon)

Exhibit 99.1 HEARTLAND FINANCIAL USA, INC. Consolidated Financial Statements December 31, 2024 and 2023 (With Independent Auditors’ Report Thereon) HEARTLAND FINANCIAL USA, INC. Table of Contents Page(s) Independent Auditors’ Report 3-4 Consolidated Balance Sheets 5 Consolidated Statements of Income 6 Consolidated Statements of Comprehensive Income 7 Consolidated Statements of Changes in Equity 8

Form of Senior Indenture**

EX-4.1 EXHIBIT 4.1 INDENTURE BETWEEN UMB FINANCIAL CORPORATION AND    , AS TRUSTEE DATED AS OF     , 20 SENIOR DEBT SECURITIES (Issuable in Series) TABLE OF CONTENTS Article 1 DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.1 Definitions 1 Section 1.2 Incorporation by Reference of Trust Indenture Act 9 Section 1.3 Compliance Certificates and Opinions 10 Section 1.4 Form of Docu

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 31, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorpor

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒        Filed by a Party othe

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒        Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 3/12/2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

UMB Financial Corporation Announces Dividend on Series A Preferred Stock; Nasdaq UMBFP

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.729.1027 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Announces Dividend on Series A Preferred Stock; Nasdaq UMBFP KANSAS CITY, Mo. (March 12, 2025) – UMB Financial Corporation (Nasdaq: U

Insider Trading Policy filed herewith.

Exhibit 19.1 POLICY ON INSIDER TRADING 1. Policy Statement This Policy applies to all officers of UMB Financial Corporation and its subsidiaries (“UMB” or the “Company”), all members of the Company's Board of Directors and all employees of the Company. The Company may also determine that other persons should be subject to this Policy, such as contractors or consultants who have access to material

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38481 UMB FINANCIAL

Power of Attorney filed herewith.

Exhibit 24.1 SIGNATURES Pursuant 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. UMB FINANCIAL CORPORATION By /s/ J. Mariner Kemper Date February 27, 2025 J. Mariner Kemper Chairman of the Board POWER OF ATTORNEY Each person whose signature appears

Compensation Recovery Policy filed herewith.

Exhibit 97.1 COMPENSATION RECOVERY POLICY 1. Policy Overview The Board of Directors (the “Board”) of UMB Financial Corporation (the “Company”) believes that it is in the best interest of the Company and its shareholders to create and maintain a culture that emphasizes integrity and accountability and reinforces the Company’s pay-for-performance compensation philosophy. This Compensation Recovery P

Subsidiaries of the Registrant filed herewith.

Exhibit 21.1 SUBSIDIARIES OF UMB FINANCIAL CORPORATION December 31, 2024 Name of Entity Organization Incorporation or Jurisdiction of Parent Ownership Percentage UMB Financial Corporation (Registrant and Parent Company) Missouri UMB Bank, n.a. United States 100 % UMB Bank & Trust, n.a. Missouri 100 % UMB Capital Corporation Missouri 100 % UMB Banc Leasing Corporation Missouri 100 % UMB Trust Compa

Amendment to the Articles of Incorporation of UMB, dated as of January 31, 2025.

Exhibit 3.1 AMENDMENT OF ARTICLES OF INCORPORATION Pursuant to the General and Business Corporation Law of Missouri (the “GBCL”), the undersigned Corporation hereby submits the following Articles of Amendment to its Articles of Incorporation: 1. The name of the Corporation is UMB Financial Corporation (the “Corporation”). 2. An amendment to the Corporation’s Articles of Incorporation was adopted b

Certificate of Designation for the UMB Preferred Stock, dated as of January 31, 2025.

Exhibit 3.2 CERTIFICATE OF DESIGNATION OF 7.00% FIXED-RATE RESET NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A OF UMB FINANCIAL CORPORATION UMB Financial Corporation, a corporation organized and existing under the laws of the State of Missouri (the “Corporation”), in accordance with the provisions of Section 351.180 of the General and Business Corporation Law of Missouri, does hereby certify:

As filed with the Securities and Exchange Commission on February 3, 2025

As filed with the Securities and Exchange Commission on February 3, 2025 Registration No.

Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): January 31, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporation or organization

Filing Fee Table (filed herewith)

Ex-Filing Fees CALCULATION OF FILING FEE TABLES S-8 UMB FINANCIAL CORP Table 1: Newly Registered and Carry Forward Securities Line Item Type Security Type Security Class Title Notes Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Newly Registered Securities Fees to be Paid Equity Capital Stock, par value $1.

Heartland Financial USA, Inc. 2020 Long-Term Incentive Plan (filed herewith)

Exhibit 99.1 HEARTLAND FINANCIAL USA, INC. 2020 LONG-TERM INCENTIVE PLAN Article 1 INTRODUCTION Section 1.1 Purpose, Effective Date and Term. The purpose of this Heartland Financial USA, Inc. 2020 Long-Term Incentive Plan is to promote the long-term financial success of Heartland Financial USA, Inc. and its Subsidiaries by providing a means to attract, retain and reward individuals who can and do

Heartland Financial USA, Inc. 2024 Long-Term Incentive Plan (filed herewith)

Exhibit 99.2 HEARTLAND FINANCIAL 2024 LONG-TERM INCENTIVE PLAN Article 1 INTRODUCTION Section 1.1 Purpose, Effective Date and Term. The purpose of this Heartland Financial 2024 Long-Term Incentive Plan is to promote the long-term financial success of Heartland Financial USA, Inc. and its Subsidiaries by providing a means to attract, retain and reward individuals who can and do contribute to such s

UMB Financial Corporation Completes Acquisition of Heartland Financial USA, Inc. UMB closes largest acquisition in 111-year history, increasing total assets by more than 30%

Exhibit 99.1 //FOR IMMEDIATE RELEASE// UMB Financial Corporation Completes Acquisition of Heartland Financial USA, Inc. UMB closes largest acquisition in 111-year history, increasing total assets by more than 30% KANSAS CITY, Mo. (Jan. 31, 2025) – UMB Financial Corporation (Nasdaq: UMBF) announced that it will close the acquisition of Heartland Financial USA, Inc. (Nasdaq: HTLF) today, effective a

Form of Preferred Stock Certificate filed herewith.

Exhibit 4.4 Number 1 11,500 Shares 7.00% FIXED-RATE RESET 7.00% FIXED-RATE RESET NON-CUMULATIVE PERPETUAL NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A PREFERRED STOCK, SERIES A UMB Financial Corporation SEE REVERSE FOR A CORPORATION FORMED IMPORTANT NOTICE ON UNDER THE LAWS OF THE TRANSFER RESTRICTIONS STATE OF MISSOURI AND OTHER INFORMATION CUSIP               ISIN               This Certif

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 1/28/2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

Form of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A, par value $0.01 per share (incorporated by reference to the Registration Statement on Form 8-A dated January 28, 2025 and filed with the Commission on January 28, 2025).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 UMB Financial Corporation (Exact Name of Registrant as Specified in its Charter) Missouri 43-0903811 (State or incorporation or organization) (I.R.S. Employer Identification No.) 1010 Grand Boule

4th Quarter 2024Update January 28, 2025

4th Quarter 2024 Update January 28, 2025 Presentation Index Corporate Overview Our Investment Thesis 4th Quarter 2024 Results Line of Business Updates Appendix 3 10 18 34 45 Board of Directors Peer Group Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slides 49-51 for important disclosures about information contained in this presentation.

UMB Financial Corporation Reports Fourth Quarter Net Income of $120.0 Million and Net Operating Income(i) of $122.6 Million. Full-Year 2024 Net Income of $441.2 Million; Net Operating Income(i) of $461.7 Million.

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.729.1027 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Fourth Quarter Net Income of $120.0 Million and Net Operating Income(i) of $122.6 Million. Full-Year 2024 Net Income of $441.

UMB Financial Corporation Receives Regulatory Approval to Acquire Heartland Financial USA, Inc. UMB will have approximately $66 billion in assets, elevating it to the top 4% of publicly traded U.S. banks

Exhibit 99.1 //FOR IMMEDIATE RELEASE// UMB Financial Corporation Receives Regulatory Approval to Acquire Heartland Financial USA, Inc. UMB will have approximately $66 billion in assets, elevating it to the top 4% of publicly traded U.S. banks KANSAS CITY, Mo. and DENVER, Colo. (Jan. 10, 2025) – UMB Financial Corporation (Nasdaq: UMBF) and Heartland Financial USA, Inc. (Nasdaq: HTLF) are pleased to

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 10, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of

Filing Fee Table

Exhibit 107 CALCULATION OF FILING FEE TABLE FORM S-8 (Form Type) UMB FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Table 1—Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed maximum offering price per share Maximum aggregate offering price Fee Rate Amount of registration fee Equity Common Stock, par value $1.

As filed with the Securities and Exchange Commission on December 10, 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 UMB FINANCIAL CORPORATION (Exact name of regi

Registration No. 333-     As filed with the Securities and Exchange Commission on December 10, 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Missouri 43-0903811 (State or other jurisdiction of incorporation or organization)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 UMB FI

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 10/29/2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS

3rd Quarter 2024Update October 29, 2024

3rd Quarter 2024 Update October 29, 2024 Presentation Index Corporate Overview Our Investment Thesis 3rd Quarter 2024 Results Line of Business Updates Appendix 3 10 19 35 46 Board of Directors Peer Group Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slides 48-50 for important disclosures about information contained in this presentation.

UMB Financial Corporation Reports Third Quarter Net Income of $109.6 Million and Net Operating Income(i) of $110.4 Million.

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.729.1027 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Third Quarter Net Income of $109.6 Million and Net Operating Income(i) of $110.4 Million. Third Quarter 2024 Financial Highli

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 6, 2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of i

UMB Financial Corp. 2Q’24 Earnings Conference Call July 31, 2024

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The following are select portions of a transcript of an investor call held by UMB Financial Corporation on July 31, 2024. UMB Financial Corp. 2Q’24 Earnings Conference Call July 31,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 UMB FINANCI

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The followings materials were i

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The followings materials were included in a presentation to investors of UMB Financial Corporation, as filed on Form 8-K on July 30, 2024. Acquisition Update HTLF Acquisition – Stra

2nd Quarter 2024Update July 30, 2024

2nd Quarter 2024 Update July 30, 2024 Presentation Index Corporate Overview Our Investment Thesis 2nd Quarter 2024 Results Line of Business Updates Appendix 3 10 19 35 46 Board of Directors Peer Group Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slides 48-51 for important disclosures about information contained in this presentation.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 7/30/2024 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 7/30/2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

UMB Financial Corporation Reports Second Quarter Net Income of $101.3 Million and Net Operating Income(i) of $105.9 Million.

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.729.1027 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Second Quarter Net Income of $101.3 Million and Net Operating Income(i) of $105.9 Million. Second Quarter 2024 Financial High

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): July 26, 2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporation or organization) (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): July 26, 2024 UMB FINANCIAL CORPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): July 26, 2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporation or organization) (

To the Shareholders of UMB Financial Corporation and the Stockholders of Heartland Financial USA, Inc. MERGERS PROPOSED—YOUR VOTE IS VERY IMPORTANT

Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-280190 To the Shareholders of UMB Financial Corporation and the Stockholders of Heartland Financial USA, Inc. MERGERS PROPOSED—YOUR VOTE IS VERY IMPORTANT On behalf of the boards of directors of UMB Financial Corporation (“UMB”) and Heartland Financial USA, Inc. (“HTLF”), we are pleased to enclose the accompanying joint proxy

Consent of BofA Securities, Inc.

Exhibit 99.4 Global Corporate & Investment Banking BofA Securities, Inc. One Bryant Park, New York, NY 10036 July 2, 2024 Board of Directors UMB Financial Corporation 1010 Grand Boulevard Kansas City, MO 64106 United States Members of the Board: We hereby consent to the inclusion of our opinion letter, dated April 28, 2024 to the Board of Directors of UMB Financial Corporation (“UMB”) as Annex F t

As filed with the Securities and Exchange Commission on July 2, 2024

S-4/A Table of Contents As filed with the Securities and Exchange Commission on July 2, 2024 Registration No.

Form of Proxy Card of Heartland Financial USA, Inc.

Exhibit 99.2 SCAN TO VIEW MATERIALS & VOTE w HEARTLAND FINANCIAL USA, INC. VOTE AT VIRTUAL MEETING 1800 LARIMER STREET, SUITE 1800 The company will hold a virtual special meeting on Tuesday, August 6, 2024 at 1:00 p.m., Mountain Time. You will be able to attend the special meeting, vote and submit your questions during the meeting by DENVER, CO 80202 ATTN: JAY L. KIM visiting www.virtualshareholde

UMB FINANCIAL CORPORATION July 2, 2024

UMB FINANCIAL CORPORATION July 2, 2024 VIA EDGAR Division of Corporation Finance Office of Manufacturing U.

Consent of Keefe, Bruyette & Woods, Inc.

Exhibit 99.3 CONSENT OF KEEFE, BRUYETTE & WOODS, INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Heartland Financial USA, Inc. (“Heartland”), as Annex G to the Joint Proxy Statement/Prospectus which forms a part of Amendment No. 1 to the Registration Statement on Form S-4 (file No. 333-280190) filed on the date hereof (the “Amended Registration Statement”

Form of Proxy Card of UMB Financial Corporation

Exhibit 99.1 C123456789 000000000.000000 ext 000000000.000000 ext 000000000.000000 ext 000000000.000000 ext ENDORSEMENTLINE SACKPACK 000000000.000000 ext 000000000.000000 ext MR A SAMPLE DESIGNATION (IF ANY) ADD 1 Your vote matters – here’s how to vote! 000001 ADD 2 ADD 3 You may vote online or by phone instead of mailing this card. ADD 4 MMMMMMMMM ADD 5 Online ADD 6 Go to www.envisionreports.com/

Form of Deposit Agreement among UMB Financial Corporation, Computershare Trust Company, N.A., Computershare, Inc. and the holders from time to time of the depositary receipts described therein

Exhibit 4.3 DEPOSIT AGREEMENT among UMB FINANCIAL CORPORATION, as Issuer, COMPUTERSHARE TRUST COMPANY, N.A. and COMPUTERSHARE INC., jointly as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of [•], 2025 TABLE OF CONTENTS PAGE ARTICLE I DEFINED TERMS 1 Section 1.1 Definitions 1 ARTICLE II FORM OF RECEIPTS, DEPOSIT OF SERIES A PREFERRED STOCK, EXEC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 A. Full title of the plan: UMB Profit Sha

2

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) An article in the Dubuque Telegraph Herald, dated as of June 23, 2024 included the below quotes from J. Mariner Kemper, Chairman of the Board of Directors and Chief Executive Office

2

425 (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) An article in the Kansas City Business Journal, dated as of May 21, 2024 included the below quotes from J. Mariner Kemper, Chairman of the Board of Directors and Chief Executive

As filed with the Securities and Exchange Commission on June 13, 2024

Table of Contents As filed with the Securities and Exchange Commission on June 13, 2024 Registration No.

2

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The following article, dated as of June 13, 2024, was published in the Denver Business Journal and quoted Paul Williamson, President of Regional Banking for UMB Financial Corporatio

Consent of Keefe, Bruyette & Woods, Inc.

Exhibit 99.3 CONSENT OF KEEFE, BRUYETTE & WOODS, INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Heartland Financial USA, Inc. (“Heartland”), as Annex G to the Joint Proxy Statement/Prospectus which forms a part of the Registration Statement on Form S-4 filed on the date hereof (the “Registration Statement”) relating to the proposed merger of Blue Sky Mer

Consent of BofA Securities, Inc.

Exhibit 99.4 Global Corporate & Investment Banking BofA Securities, Inc. One Bryant Park, New York, NY 10036 June 13, 2024 Board of Directors UMB Financial Corporation 1010 Grand Boulevard Kansas City, MO 64106 United States Members of the Board: We hereby consent to the inclusion of our opinion letter, dated April 28, 2024 to the Board of Directors of UMB Financial Corporation (“UMB”) as Annex F

Filing Fee Table

Exhibit 107 Calculation Of Filing Fee Tables Form S-4 (Form Type) UMB FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security  Type  Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Fees to Be Paid Equity  Common Stock, par value $1.

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 6/7/2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of incorpo

2

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The following is an excerpt from an article in S&P Global Market Intelligence, dated as of June 6, 2024, that quoted J. Mariner Kemper, Chairman of the Board of Directors and Chief

2

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The following are select excerpts from an article in the Phoenix Business Journal, dated as of May 30, 2024, that quoted J. Mariner Kemper, Chairman of the Board of Directors and Ch

2

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The following are select excerpts from an article in the Telegraph Herald, dated as of May 3, 2024, that quoted J. Mariner Kemper, Chairman of the Board of Directors and Chief Execu

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 UMB FINANC

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/30/2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

Page 1 of 12 ©2024, AlphaSense, Inc. All Rights Reserved. AlphaSense is a service mark of AlphaSense, Inc. All other trademarks mentioned belong to their respective owners.

425 Filed by UMB Financial Corporation (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: Heartland Financial USA, Inc. (Commission File No.: 001-15393) The following is a transcript of an investor call held by UMB Financial Corporation on April 29, 2024. Acquisition of

2

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The following are select excerpts from an article in the St. Louis Business Journal, dated as of April 29, 2024, that quoted J. Mariner Kemper, Chairman of the Board of Directors an

2

(Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The following materials were used in a presentation to the employees of Heartland Financial USA, Inc. by J. Mariner Kemper, Chairman of the Board of Directors and Chief Executive Of

(Commission File No.:

425 (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) The following is a transcript of a conference call between employees of UMB Financial Corporation on April 29, 2024. UMB Associate Conference Call: HTLF Announcement | April 29,

2

425 (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: HTLF (Commission File No.: 001-15393) An article in the Albuquerque Business First, dated as of May 1, 2024 included the below quotes from J. Mariner Kemper, Chairman of the Board of Directors and Chief Executive Of

Additional Forward Sale Agreement, dated as of April 30, 2024, between UMB Financial Corporation and Bank of America, N.A.

Exhibit 10.1 Forward Confirmation Date: April 30, 2024 To: UMB Financial Corporation From: Bank of America, N.A. Ladies and Gentlemen: The purpose of this letter agreement is to confirm the terms and conditions of the Transaction entered into between Bank of America, N.A. (“Dealer”) and UMB Financial Corporation (the “Counterparty”) on the Trade Date specified below (the “Transaction”). This lette

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): April 30, 2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporation or organization)

Filed by UMB Financial Corporation

Filed by UMB Financial Corporation (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: Heartland Financial USA, Inc. (Commission File No.: 001-15393) The following email was sent to employees of UMB Financial Corporation on April 29, 2024. April 29, 2024: Broadcast Email

Filed by UMB Financial Corporation

Filed by UMB Financial Corporation (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: Heartland Financial USA, Inc. (Commission File No.: 001-15393) The following post was posted on the website of UMB Financial Corporation on April 29, 2024. Title: A historic milestone:

Filed by UMB Financial Corporation

425 Filed by UMB Financial Corporation (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: Heartland Financial USA, Inc. (Commission File No.: 001-15393) The following social media posts were issued by UMB Financial Corporation on April 29, 2024. The following LinkedIn p

Filed by: UMB Financial Corporation

425 Filed by: UMB Financial Corporation (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: Heartland Financial USA, Inc. (Commission File No.: 001-15393) The following materials were shared with certain employees of UMB Financial Corporation on April 29, 2024. HTLF Anno

Filed by UMB Financial Corporation

Filed by UMB Financial Corporation (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: Heartland Financial USA, Inc. (Commission File No.: 001-15393) The following email was sent to employees of UMB Financial Corporation on April 29, 2024. Team, I’m excited to share that

2,800,000 Shares UMB Financial Corporation Common Stock

Table of Contents Filed Pursuant to Rule 424(b)(4) Registration No. 333-266941 PROSPECTUS SUPPLEMENT (To Prospectus dated August 17, 2022) 2,800,000 Shares UMB Financial Corporation Common Stock UMB Financial Corporation has entered into a forward sale agreement with BofA Securities, Inc. or its affiliate (the “forward purchaser”), in respect of an aggregate of 2,800,000 shares of our common stock

CALCULATION OF FILING FEE TABLES (Form Type) UMB FINANCIAL CORPORATION (Exact Name of Registrant as Specified in the Articles of Incorporation) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation

Exhibit 107 CALCULATION OF FILING FEE TABLES 424(b)(5) (Form Type) UMB FINANCIAL CORPORATION (Exact Name of Registrant as Specified in the Articles of Incorporation) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Share Maximum Aggregate Offering Price(1) Fee Rate Amount of Registration Fee(2) Carry Forward Form Type Carry Forward File Number Carry   Forward Initial Effective Date Filing Fee Previously Paid In Connection With Unsold Securities to be Carried Forward Newly Registered Securities  Fees to be  Paid  Equity   Common  stock, par value $1.

Filed by UMB Financial Corporation

Filed by UMB Financial Corporation (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: Heartland Financial USA, Inc. (Commission File No.: 001-15393) The following talking points were shared with certain employees of UMB Financial Corporation on April 29, 2024. MESSAGING

Associate Q&A | Page 2

Filed by UMB Financial Corporation (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: Heartland Financial USA, Inc. (Commission File No.: 001-15393) The following materials were shared with certain employees of UMB Financial Corporation on April 29, 2024. HTLF Announcem

UMB SUPPORT AGREEMENT

EX-99.1 2 d818843dex991.htm EX-99.1 EXHIBIT 99.1 UMB SUPPORT AGREEMENT This Support Agreement (this “Agreement”), dated as of April 28, 2024, is entered into by and between Heartland Financial USA, Inc., a Delaware corporation (“HTLF”), and the undersigned shareholder (the “Shareholder”) of UMB Financial Corporation, a Missouri corporation (“UMB”). WHEREAS, subject to the terms and conditions of t

UMBF / UMB Financial Corporation / KEMPER J MARINER - SC 13D/A Activist Investment

SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1) UMB Financial Corporation (Name of Issuer) Common Stock, $1.00 par value (Title of Class of Securities) 902788108 (CUSIP Number) John C. Pauls 1010 Grand Blvd. Kansas City, Missouri 64106 (816) 860-7889 (Name, Address and Telephone Number of Pers

Filed by UMB Financial Corporation

Filed by UMB Financial Corporation (Commission File No.: 001-38481) Pursuant to Rule 425 of the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934 Subject Company: Heartland Financial USA, Inc. (Commission File No.: 001-15393) The following materials were shared with certain employees of UMB Financial Corporation on April 29, 2024. Blue Sky Messa

Underwriting Agreement, dated as of April 28, 2024, among UMB Financial Corporation, BofA Securities, Inc. and Morgan Stanley & Co. LLC, as representatives for the underwriters, Bank of America, N.A., as forward purchaser and BofA Securities, Inc., as forward seller.

EX-1.1 Exhibit 1.1 [Execution Version] UMB FINANCIAL CORPORATION (a Missouri corporation) 2,800,000 Shares of Common Stock UNDERWRITING AGREEMENT Dated: April 28, 2024 UMB Financial Corporation (a Missouri corporation) 2,800,000 Shares of Common Stock UNDERWRITING AGREEMENT April 28, 2024 BofA Securities, Inc. Morgan Stanley & Co. LLC as Representatives of the several Underwriters BofA Securities,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): April 29, 2024 (April 28, 2024) U

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): April 29, 2024 (April 28, 2024) UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporation

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/29/2024 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/29/2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of incorp

Cautionary Note Regarding Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Secu

EX-99.2 Exhibit 99.2 UMB Acquisition of Heartland Financial Strategically Compelling, Financially Attractive UMB Financial Corporation April 29, 2024 Cautionary Note Regarding Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Secu

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): April 29, 2024 (April 28, 2024) U

425 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (date of earliest event reported): April 29, 2024 (April 28, 2024) UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MO 001-38481 43-0903811 (State or other jurisdiction of incorporat

Forward Sale Agreement, dated as of April 28, 2024, between UMB Financial Corporation and Bank of America, N.A.

EX-10.2 Exhibit 10.2 Forward Confirmation Date: April 28, 2024 To: UMB Financial Corporation From: Bank of America, N.A. Ladies and Gentlemen: The purpose of this letter agreement is to confirm the terms and conditions of the Transaction entered into between Bank of America, N.A. (“Dealer”) and UMB Financial Corporation (the “Counterparty”) on the Trade Date specified below (the “Transaction”). Th

UMB Financial Corporation Announces Pricing of an Underwritten Offering of 2,800,000 Shares of Common Stock

EX-99.3 Exhibit 99.3 UMB Financial Corporation Announces Pricing of an Underwritten Offering of 2,800,000 Shares of Common Stock April 29, 2024 KANSAS CITY, Mo. —(BUSINESS WIRE)— UMB Financial Corporation (Nasdaq: UMBF) (“UMB”) announced today that it priced an underwritten public offering of 2,800,000 shares of its common stock at a price of $75.00 per share (before underwriting discounts and com

Agreement and Plan of Merger, dated as of April 28, 2024, among UMB Financial Corporation, Heartland Financial USA, Inc. and Blue Sky Merger Sub Inc.*

EX-2.1 Exhibit 2.1 EXECUTION VERSION AGREEMENT AND PLAN OF MERGER by and among HEARTLAND FINANCIAL USA, INC., UMB FINANCIAL CORPORATION and BLUE SKY MERGER SUB INC. Dated as of April 28, 2024 TABLE OF CONTENTS PAGE ARTICLE 1 THE MERGERS Section 1.01. The Merger 2 Section 1.02. Closing 3 Section 1.03. Effective Time 3 Section 1.04. Effects of the Merger 3 Section 1.05. Conversion of HTLF Common Sto

UMB Financial Corporation Reports First Quarter 2024 Net Income of $110.3 Million and Net Operating Income(i) of $120.7 Million. UMB investment community call today, Monday, April 29, at 7:30 a.m. (CT) / 8:30 a.m. (ET)

Exhibit 99.1 UMB Financial Corporation 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com News Release     //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.729.1027 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports First Quarter 2024 Net Income of $110.3 Million and Net Operating Income(i) of $120.7 Million. UMB investment community c

Support Agreement, dated as of April 28, 2024, by and between UMB Financial Corporation and Bruce K. Lee

EX-10.1 Exhibit 10.1 SUPPORT AGREEMENT This Support Agreement (this “Agreement”), dated as of April 28, 2024, is entered into by and between UMB Financial Corporation, a Missouri corporation (“UMB”), and the undersigned shareholder (the “Shareholder”) of Heartland Financial USA, Inc., a Delaware corporation (“HTLF”). WHEREAS, subject to the terms and conditions of the Agreement and Plan of Merger

UMB Announces Agreement to Acquire Heartland Financial Largest acquisition in UMB history will increase total assets by more than 40% and significantly expand geographic footprint UMB investment community call today, Monday, April 29, at 7:30 a.m. (C

EX-99.1 Exhibit 99.1 //FOR IMMEDIATE RELEASE//     Joint News Release UMB Announces Agreement to Acquire Heartland Financial Largest acquisition in UMB history will increase total assets by more than 40% and significantly expand geographic footprint UMB investment community call today, Monday, April 29, at 7:30 a.m. (CT) / 8:30 a.m. (ET) KANSAS CITY, Mo. and DENVER, Colo. (April 29, 2024) —UMB Fin

Quarter 2024 Update Kansas City, MO April 29, 2024

Exhibit 99.2 Quarter 2024 Update Kansas City, MO April 29, 2024 Presentation Index Corporate Overview 3 Opportunity – Our Investment Thesis 8 1st Quarter 2024 Results 17 Line of Business Updates 33 Appendix 44 Board of Directors Peer Group Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 46 for important disclosures about information conta

SUBJECT TO COMPLETION, DATED APRIL 28, 2024

Table of Contents The information in this preliminary prospectus supplement is not complete and may be changed.

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL DATA

EX-99.4 Exhibit 99.4 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL DATA Defined terms included below have the same meaning as terms defined and included elsewhere in the preliminary prospectus supplement dated April 28, 2024 (the “Preliminary Prospectus Supplement”), except that, unless the context requires otherwise, the term “forward sale agreement” as used herein does not include any additio

April 18, 2024

April 18, 2024 United States Securities and Exchange Commission Division of Corporation Finance Office of Finance 100 F Street N.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒        Filed by a Party othe

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒        Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as

Power of Attorney filed herewith.

Exhibit 24.1 SIGNATURES Pursuant 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. UMB FINANCIAL CORPORATION By /s/ J. Mariner Kemper Date February 22, 2024 J. Mariner Kemper Chairman of the Board POWER OF ATTORNEY Each person whose signature appears

List of subsidiaries of UMB Financial Corporation (incorporated by reference to Exhibit 21.1 of Form 10-K for the fiscal year ended December 31, 2023, filed February 22, 2024)

Exhibit 21.1 SUBSIDIARIES OF UMB FINANCIAL CORPORATION December 31, 2023 Name of Entity Organization Incorporation or Jurisdiction of Parent Ownership Percentage UMB Financial Corporation (Registrant and Parent Company) Missouri UMB Bank, n.a. United States 100 % UMB Bank & Trust, n.a. Missouri 100 % UMB Capital Corporation Missouri 100 % UMB Banc Leasing Corporation Missouri 100 % UMB Trust Compa

Compensation Recovery Policy filed herewith.

Exhibit 97.1 Compensation Recovery Policy Status: Approved Revision Date: 10/31/2023 Table of Contents 1. Policy Overview 2 2. Scope 2 3. Definitions 2 4. Policy Requirements 3 5. Roles and Responsibilities 7 6. Exceptions 7 7. Legal Authority and References 7 8. Revision History 7 9. Appendices 8 Page 1 of 8 Exhibit 97.1 Compensation Recovery Policy Status: Approved Revision Date: 10/31/2023 1. P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38481 UMB FINANCIAL

UMBF / UMB Financial Corporation / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv02145-umbfinancialcorp.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 13)* Name of issuer: UMB Financial Corp Title of Class of Securities: Common Stock CUSIP Number: 902788108 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to designa

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 2/05/2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

JIM RINE PROMOTED TO PRESIDENT OF UMB FINANCIAL CORP. Expanded Role to President of UMB Financial Corporation and President and CEO of UMB Bank

Exhibit 99.1 UMB Bank News Release 1010 Grand Boulevard Kansas City, MO 64106 For more information please contact: Stephanie Hague, 816.729.1027 [email protected] JIM RINE PROMOTED TO PRESIDENT OF UMB FINANCIAL CORP. Expanded Role to President of UMB Financial Corporation and President and CEO of UMB Bank KANSAS CITY, Mo. (Feb. 5, 2024) –UMB Financial Corporation (Corp.) is pleased to announ

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 1/30/2024 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

UMB Financial Corp Reports Fourth Quarter Net Income of $70.9 Million, or $1.45 Per Diluted Share & Net Operating Income of $112.0 Million, or $2.29 Per Diluted Share. Full-Year 2023 Earnings of $350.0 Million; Net Operating Income of $397.1 Million.

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corp Reports Fourth Quarter Net Income of $70.9 Million, or $1.45 Per Diluted Share & Net Operating Income of $112.0 Million, or $2.29 Per Dilute

4th Quarter 2023Update January 30, 2024

4th Quarter 2023 Update January 30, 2024 Presentation Index Corporate Overview Opportunity – Our Investment Thesis 4th Quarter 2023 Results Line of Business Updates Appendix 3 8 16 32 43 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 45 for important disclosures about information contained in this presentation.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 11/16/2023 UMB FINANCIAL CORPORAT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 11/16/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employ

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 UMB FI

UMB Financial Corporation Reports Third Quarter Net Income of $96.6 Million

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Third Quarter Net Income of $96.6 Million Third Quarter 2023 Financial Highlights • GAAP net income of $96.6 million, or $1.9

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 10/24/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS

3rd Quarter 2023Update October 24, 2023

3rd Quarter 2023 Update October 24, 2023 Presentation Index Corporate Overview Opportunity – Our Investment Thesis 3rd Quarter 2023 Results Line of Business Updates Appendix 3 8 17 33 44 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 46 for important disclosures about information contained in this presentation.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 8/18/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 UMB FINANCI

UMB Financial Corporation Reports Second Quarter Net Income of $90.1 Million

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Second Quarter Net Income of $90.1 Million Second Quarter 2023 Financial Highlights • GAAP net income of $90.1 million, or $1

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 7/25/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/25/2023 UMB FINANCIAL CORPORA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/25/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Emplo

2nd Quarter 2023Update July 25, 2023

2nd Quarter 2023 Update July 25, 2023 Presentation Index Corporate Overview Opportunity – Our Investment Thesis 2nd Quarter 2023 Results Line of Business Updates Appendix 3 8 17 34 45 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 47 for important disclosures about information contained in this presentation.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 A. Full title of the plan: UMB Profit Sha

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/25/2023 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/25/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number001-38481 UMB FINANCI

1st Quarter 2023 Update April 25, 2023

1st Quarter 2023 Update April 25, 2023 Presentation Index 2 Corporate Overview Opportunity – Our Investment Thesis 1st Quarter 2023 Results Line of Business Updates Appendix 3 8 17 34 45 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 47 for important disclosures about information contained in this presentation.

UMB Financial Corporation Reports First Quarter Net Income of $92.4 Million

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports First Quarter Net Income of $92.4 Million First Quarter 2023 Financial Highlights • GAAP net income of $92.4 million, or $1.9

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/25/2023 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/25/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

UMB Celebrates 110 Years of Service

April 25, 2023 2023 ANNUAL MEETING OF SHAREHOLDERS Exhibit 99.3 UMB Celebrates 110 Years of Service History of Stability | ourstories.umb.com 3 For 110 years, we’ve done what’s right, not what’s popular. We row close to shore to weather all economic cycles. Our business model is consistent and strong – and successfully serves our customers. Strong to Serve 4 Positioned for a changing environment S

Bylaws, amended as of April 13, 2023 (incorporated by reference to Exhibit 3.1 of the Company’s Current Report on Form 8-K dated April 13, 2023 and filed with the Commission on April 13, 2023).

EX-3.01 Exhibit 3.01 UMB FINANCIAL CORPORATION BYLAWS (As Amended through January 24 April 13, 2023) ARTICLE I Location of Offices Section 1. Principal Office. The principal office of UMB Financial Corporation (the “Corporation”) shall be located in Kansas City, Jackson County, Missouri, or at such other place as may be designated from time to time by the Board of Directors of the Corporation (the

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/13/2023 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/13/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of incorp

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/3/2023 UMB FINANCIAL CORPORATIO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/3/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employer

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 3/27/2023 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 3/27/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

Investor Slide

(1) Estimated amount of uninsured deposits reported on line RCON5597 of schedule RC-O in UMB Bank’s 12/31/22 Call Report.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 3/13/2023 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 3/13/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 2/24/2023 UMB FINANCIAL CORPORATI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 2/24/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of incorp

Restricted Share Unit Award Agreement for the UMB Financial Corporation Omnibus Incentive Compensation Plan (incorporated by reference to Exhibit 10.5 to the Company's Form 10-K for December 31, 2022 and filed with the Commission on February 23, 2023).

Exhibit 10.5 UMB Financial Corporation Omnibus Incentive Compensation Plan RESTRICTED SHARE UNIT AWARD AGREEMENT Pursuant to this Restricted Share Unit Award Agreement (this “Award Agreement”), and subject to the terms and conditions herein and in the UMB Financial Corporation Omnibus Incentive Compensation Plan (the “Plan”), UMB Financial Corporation (the “Company,” as defined in the Plan) grants

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38481 UMB FINANCIAL

Power of Attorney filed herewith.

Exhibit 24.1 SIGNATURES Pursuant 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. UMB FINANCIAL CORPORATION By /s/ J. Mariner Kemper Date February 23, 2023 J. Mariner Kemper Chairman of the Board POWER OF ATTORNEY Each person whose signature appears

Subsidiaries of the Registrant filed herewith.

Exhibit 21.1 SUBSIDIARIES OF UMB FINANCIAL CORPORATION December 31, 2022 Name of Entity Organization Incorporation or Jurisdiction of Parent Ownership Percentage UMB Financial Corporation (Registrant and Parent Company) Missouri UMB Bank, n.a. United States 100 % UMB Bank & Trust, n.a. Missouri 100 % UMB Capital Corporation Missouri 100 % UMB Banc Leasing Corporation Missouri 100 % UMB Trust Compa

UMBF / UMB Financial Corp / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 12)* Name of issuer: UMB Financial Corp. Title of Class of Securities: Common Stock CUSIP Number: 902788108 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Bylaws, amended as of January 24, 2023 (incorporated by reference to Exhibit 3.1 of the Company’s Current Report on Form 8-K dated January 24, 2023 and filed with the Commission on January 26, 2023).

Exhibit 3.01 UMB FINANCIAL CORPORATION BYLAWS (As Amended through October 28, 2014January 24, 2023) ARTICLE I Location of Offices Section 1. Principal Office. The principal office of UMB Financial Corporation (the “Corporation”) shall be located in Kansas City, Jackson County, Missouri, or at such other place as may be designated from time to time by the Board of Directors of the Corporation (the

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 1/24/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of incorp

4th Quarter 2022 Update January 24, 2023

4th Quarter 2022 Update January 24, 2023 Presentation Index 2 Corporate Overview Opportunity – Our Investment Thesis 4th Quarter 2022 Results Line of Business Updates Appendix 3 8 16 30 40 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 42 for important disclosures about information contained in this presentation.

UMB Financial Corporation Reports Fourth Quarter Net Income of $100.2 Million and Record Full-Year Earnings of $431.7 Million

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Fourth Quarter Net Income of $100.2 Million and Record Full-Year Earnings of $431.7 Million Fourth Quarter 2022 Financial Hig

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 1/24/2023 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number001-38481 UMB FIN

UMB Financial Corporation Reports Third Quarter Net Income of $88.0 Million and Announces 2.7% Cash Dividend Increase

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Third Quarter Net Income of $88.0 Million and Announces 2.7% Cash Dividend Increase Third Quarter 2022 Financial Highlights ?

3rd Quarter 2022 Update October 25, 2022

3rd Quarter 2022 Update October 25, 2022 Presentation Index 2 Corporate Overview Opportunity ? Our Investment Thesis 3rd Quarter 2022 Results Line of Business Updates Appendix 3 8 17 31 41 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 43 for important disclosures about information contained in this presentation.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 10/25/2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS

Second Supplemental Indenture, dated as of September 28, 2022, by and between UMB Financial Corporation and Wells Fargo, National Association, as Trustee, with respect to the 6.250% Fixed-to-Fixed Rate Subordinated Notes due 2032 (incorporated by reference to Exhibit 4.2 of the Company’s Current Report on Form 8-K dated September 28, 2022 and filed with the Commission on September 28, 2022).

Exhibit 4.2 6.250% Fixed-to-Fixed Rate Subordinated Notes due 2032 UMB FINANCIAL CORPORATION, as Issuer, and COMPUTERSHARE TRUST COMPANY, NATIONAL ASSOCIATION (as successor to Wells Fargo Bank, National Association), as Trustee, SECOND SUPPLEMENTAL INDENTURE Dated as of September 28, 2022 TABLE OF CONTENTS Page ARTICLE 1 DEFINITIONS 1 Section 1.1 Relation to Base Indenture. 1 Section 1.2 Definitio

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 28, 2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of inc

UMB FINANCIAL CORPORATION $110,000,000 Fixed-to-Fixed Rate Subordinated Notes Due 2032

Table of Contents Filed Pursuant to Rule 424(b)(2) Registration No. 333-266941 PROSPECTUS SUPPLEMENT (To Prospectus dated August 17, 2022) UMB FINANCIAL CORPORATION $110,000,000 Fixed-to-Fixed Rate Subordinated Notes Due 2032 We are offering $110,000,000 aggregate principal amount of fixed-to-fixed rate subordinated notes due 2032 (the ?notes?) of UMB Financial Corporation. The notes will mature o

Calculation of Filing Fee Tables Form 424(b)(2) (Form Type) UMB Financial Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule

EX-FILING FEES 2 d315508dexfilingfees.htm EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables Form 424(b)(2) (Form Type) UMB Financial Corporation (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Off

UMB Financial Corporation Announces Pricing of Subordinated Notes Offering

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Announces Pricing of Subordinated Notes Offering KANSAS CITY, Mo. (Sept. 23, 2022) ? UMB Financial Corporation (Nasdaq: UMBF) (?UMB?) announc

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 23, 2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of inc

Underwriting Agreement, dated September 23, 2022, by and among UMB Financial Corporation and BofA Securities, Inc. and J.P. Morgan Securities LLC, as the representatives of the several underwriters.

Exhibit 1.1 Execution Version UMB Financial Corporation (a Missouri corporation) $110,000,000 6.250% Fixed-to-Fixed Rate Subordinated Notes due 2032 UNDERWRITING AGREEMENT Dated: September 23, 2022 UMB Financial Corporation (a Missouri corporation) $110,000,000 6.250% Fixed-to-Fixed Rate Subordinated Notes due 2032 UNDERWRITING AGREEMENT September 23, 2022 BofA Securities, Inc. One Bryant Park New

UMB Financial Corporation PRICING TERM SHEET September 23, 2022 $110,000,000 6.250% Fixed-to-Fixed Rate Subordinated Notes due 2032 Issuer: UMB Financial Corporation (the “Issuer”) Expected Ratings*: A3 (Stable Outlook) at Moody’s BBB+ (Stable Outloo

Filed Pursuant to Rule 433 Registration Statement No. 333-266941 UMB Financial Corporation PRICING TERM SHEET September 23, 2022 $110,000,000 6.250% Fixed-to-Fixed Rate Subordinated Notes due 2032 Issuer: UMB Financial Corporation (the ?Issuer?) Expected Ratings*: A3 (Stable Outlook) at Moody?s BBB+ (Stable Outlook) by S&P A- (Stable Outlook) by Fitch Security: 6.250% Fixed-to-Fixed Rate Subordina

SUBJECT TO COMPLETION, DATED SEPTEMBER 23, 2022

Table of Contents The information in this preliminary prospectus supplement relates to an effective registration statement under the Securities Act of 1933 but is not complete and may be changed.

Temporary Suspension of Trading Under Registrant's Employee Benefit Plans, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 8/24/2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

August 24, 2022

EXHIBIT 99.1 To: Directors and Executive Officers From: John Pauls, General Counsel Date: August 24, 2022 Re: Notice Regarding Blackout Period and Regulation BTR Trading Restrictions This notice is to inform you of temporary restrictions on the trading of UMB Financial Corporation (the ?Company?) equity securities during an upcoming ?blackout period? that will apply to the UMB Profit Sharing and 4

Form of Senior Indenture**

EXHIBIT 4.1 INDENTURE BETWEEN UMB FINANCIAL CORPORATION AND , AS TRUSTEE DATED AS OF , 20 SENIOR DEBT SECURITIES (Issuable in Series) TABLE OF CONTENTS Article 1 DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.1 Definitions 1 Section 1.2 Incorporation by Reference of Trust Indenture Act 9 Section 1.3 Compliance Certificates and Opinions 10 Section 1.4 Form of Documents Delivere

Form of Subordinated Indenture**

EXHIBIT 4.2 INDENTURE BETWEEN UMB FINANCIAL CORPORATION AND , AS TRUSTEE DATED AS OF , 20 SUBORDINATED DEBT SECURITIES (Issuable in Series) TABLE OF CONTENTS Article 1 DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.1 Definitions 1 Section 1.2 Incorporation by Reference of Trust Indenture Act 10 Section 1.3 Compliance Certificates and Opinions 10 Section 1.4 Form of Documents D

As filed with the Securities and Exchange Commission on August 17, 2022

Table of Contents As filed with the Securities and Exchange Commission on August 17, 2022 Registration No.

Filing Fee Table**

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) UMB Financial Corporation.

Performance Share Unit Award Agreement with Shannon A. Johnson (incorporated by reference to Exhibit 10.1 of the Company’s Current Report on Form 8-K dated July 25, 2022 and filed with the Commission on July 29, 2022).

Exhibit 10.1 UMB Financial Corporation Omnibus Incentive Compensation Plan PERFORMANCE SHARE UNIT AWARD AGREEMENT Pursuant to this Performance Share Unit Award Agreement (this ?Award Agreement?), and subject to the terms and conditions herein and in the UMB Financial Corporation Omnibus Incentive Compensation Plan (the ?Plan?), UMB Financial Corporation (the ?Company,? as defined in the Plan) gran

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 7/25/2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number001-38481 UMB FINANCIA

2nd Quarter 2022 Update July 26, 2022

2nd Quarter 2022 Update July 26, 2022 Presentation Index 2 Corporate Overview Opportunity ? Our Investment Thesis 2nd Quarter 2022 Results Line of Business Updates Appendix 3 8 17 31 41 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 43 for important disclosures about information contained in this presentation.

UMB Financial Corporation Reports Second Quarter Net Income of $137.6 Million Second Quarter 2022 Financial Highlights

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Second Quarter Net Income of $137.6 Million Second Quarter 2022 Financial Highlights ? GAAP net income of $137.6 million, or

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 7/26/2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 6/27/2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

UMB Healthcare Services Announces Agreement to Acquire HSA Business from Old National Bank Transaction adds key talent, significantly increases direct-to-employer business

News Release UMB Financial Corporation 1010 Grand Boulevard Kansas City, MO 64106 Media Contact: Kristin Kovach kkovach@crossroads.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 A. Full title of the plan: UMB Profit Sha

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/26/2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number001-38481 UMB FINANCI

UMB Financial Corporation Reports First Quarter Net Income of $106.0 Million First Quarter 2022 Financial Highlights

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports First Quarter Net Income of $106.0 Million First Quarter 2022 Financial Highlights ? GAAP net income of $106.0 million, or $2

Business Meeting 2021 Results Questions & Answers Why UMB? Agenda

April 26, 2022 2022 ANNUAL MEETING OF SHAREHOLDERS Exhibit 99.3 Business Meeting 2021 Results Questions & Answers Why UMB? Agenda 2022 Annual Meeting of Shareholders 3 Business Meeting Agenda Introduction of the Board of Directors Independent Registered Public Accounting Firm Appointment of Inspector of Election Presentation of List of Shareholders as of Record Date Report of Quorum Opening of the

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/26/2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

Presentation Index 2 Corporate Overview Opportunity – Our Investment Thesis 1st Quarter 2022 Results Line of Business Updates Appendix 3 8 17 30 40 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Loo

1st Quarter 2022 Update April 26, 2022 Exhibit 99.2 Presentation Index 2 Corporate Overview Opportunity ? Our Investment Thesis 1st Quarter 2022 Results Line of Business Updates Appendix 3 8 17 30 40 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 43 for important disclosures about information contained in this presenta

Schedule 14A

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitte

Power of Attorney filed herewith.

Exhibit 24.1 SIGNATURES Pursuant 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. UMB FINANCIAL CORPORATION By /s/ J. Mariner Kemper Date February 24, 2022 J. Mariner Kemper Chairman of the Board POWER OF ATTORNEY Each person whose signature appears

Subsidiaries of the Registrant filed herewith.

Exhibit 21.1 SUBSIDIARIES OF UMB FINANCIAL CORPORATION December 31, 2021 Name of Entity Organization Incorporation or Jurisdiction of Parent Ownership Percentage UMB Financial Corporation (Registrant and Parent Company) Missouri UMB Bank, n.a. United States 100 % UMB Bank & Trust, n.a. Missouri 100 % UMB Capital Corporation Missouri 100 % UMB Banc Leasing Corporation Missouri 100 % UMB Trust Compa

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38481 UMB FINANCIAL

UMBF / UMB Financial Corp / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 11)* Name of issuer: UMB Financial Corp. Title of Class of Securities: Common Stock CUSIP Number: 902788108 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Presentation Index 2 Corporate Overview Opportunity – Our Investment Thesis 4th Quarter 2021 Results Line of Business Updates Appendix 3 8 17 30 40 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Loo

4th Quarter 2021 Update UMB Financial Corporation January 25, 2022 Exhibit 99.2 Presentation Index 2 Corporate Overview Opportunity ? Our Investment Thesis 4th Quarter 2021 Results Line of Business Updates Appendix 3 8 17 30 40 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 42 for important disclosures about informatio

UMB Financial Corporation Reports Fourth Quarter Net Income of $78.5 Million and Record Full-Year Earnings of $353.0 Million Fourth Quarter 2021 Financial Highlights

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Fourth Quarter Net Income of $78.5 Million and Record Full-Year Earnings of $353.0 Million Fourth Quarter 2021 Financial High

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 1/25/2022 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number001-38481 UMB FIN

UMB Financial Corporation Reports Third Quarter Net Income of $94.5 Million Third quarter 2021 Financial Highlights (all comparisons to prior year unless otherwise noted)

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Third Quarter Net Income of $94.5 Million Third quarter 2021 Financial Highlights (all comparisons to prior year unless other

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 10/26/2021 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS

Presentation Index 2 Corporate Overview Opportunity – Our Investment Thesis 3rd Quarter 2021 Results Line of Business Updates Appendix 3 8 17 31 41 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Loo

3rd Quarter 2021 Update UMB Financial Corporation October 26, 2021 Exhibit 99.2 Presentation Index 2 Corporate Overview Opportunity ? Our Investment Thesis 3rd Quarter 2021 Results Line of Business Updates Appendix 3 8 17 31 41 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 43 for important disclosures about informatio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number001-38481 UMB FINANCIA

UMB Financial Corporation Reports Second Quarter Net Income of $87.4 Million; Announces 15.6% Increase to Quarterly Cash Dividend Second quarter 2021 Financial Highlights (all comparisons to prior year unless otherwise noted)

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Second Quarter Net Income of $87.4 Million; Announces 15.6% Increase to Quarterly Cash Dividend Second quarter 2021 Financial

Presentation Index 2 Corporate Overview Opportunity – Our Investment Thesis 2nd Quarter 2021 Results Line of Business Updates Appendix 3 8 17 32 42 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Loo

2nd Quarter 2021 Update UMB Financial Corporation July 27, 2021 Exhibit 99.2 Presentation Index 2 Corporate Overview Opportunity ? Our Investment Thesis 2nd Quarter 2021 Results Line of Business Updates Appendix 3 8 17 32 42 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 43 for important disclosures about information c

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 7/27/2021 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

Temporary Suspension of Trading Under Registrant's Employee Benefit Plans, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 7/16/2021 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

To: Directors and Executive Officers

Exhibit 99.1 To: Directors and Executive Officers From: John Pauls, General Counsel Date: July 16, 2021 Re: Notice Regarding Blackout Period and Regulation BTR Trading Restrictions This notice is to inform you of temporary restrictions on the trading of UMB Financial Corporation (the ?Company?) equity securities during an upcoming ?blackout period? that will apply to the UMB Profit Sharing and 401

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38481 A. Full title of the plan: UMB Profit Sha

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/27/2021 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number001-38481 UMB FINANCI

UMB Financial Corporation Reports First Quarter Net Income of $92.6 Million First Quarter 2021 Financial Highlights (all comparisons to prior year)

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports First Quarter Net Income of $92.6 Million First Quarter 2021 Financial Highlights (all comparisons to prior year) ? GAAP net

Business Meeting 2020 Results Why UMB? Questions & Answers 1st Quarter 2021 Agenda

April 27, 2021 2021 ANNUAL SHAREHOLDERS MEETING A Company Built to Withstand the Test Of Time Exhibit 99.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/27/2021 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 MO 43-0903811 (State or other jurisdiction of (IRS Employe

Presentation Index 2 Corporate Overview Opportunity – Our Investment Thesis 1st Quarter 2021 Results Line of Business Updates Appendix 3 7 16 30 40 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Loo

1st Quarter 2021 Update UMB Financial Corporation April 27, 2021 Exhibit 99.3 Presentation Index 2 Corporate Overview Opportunity ? Our Investment Thesis 1st Quarter 2021 Results Line of Business Updates Appendix 3 7 16 30 40 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on page 42 for important disclosures about information c

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 4/27/2021 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

UMB Financial Corporation Announces $0.32 Quarterly Cash Dividend and Common Share Repurchase Authorization

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Announces $0.32 Quarterly Cash Dividend and Common Share Repurchase Authorization Kansas City, Mo. (April 27, 2021) ? During a meetin

- DEF 14A

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitte

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38481 UMB FINANCIAL

Subsidiaries of the Registrant filed herewith.

Exhibit 21.1 SUBSIDIARIES OF UMB FINANCIAL CORPORATION December 31, 2020 Name of Entity Organization Incorporation or Jurisdiction of Parent Ownership Percentage Trade Names UMB Financial Corporation (Registrant and Parent Company) Missouri UMB Bank, n.a. United States 100 % UMB Bank & Trust, n.a. Missouri 100 % UMB Capital Corporation Missouri 100 % UMB Banc Leasing Corporation Missouri 100 % UMB

Power of Attorney filed herewith.

Exhibit 24.1 SIGNATURES Pursuant 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. UMB FINANCIAL CORPORATION By /s/ J. Mariner Kemper Date March 1, 2021 J. Mariner Kemper Chairman of the Board POWER OF ATTORNEY Each person whose signature appears bel

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 10)*

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 10)* Name of issuer: UMB Financial Corp. Title of Class of Securities: Common Stock CUSIP Number: 902788108 Date of Event Which Requires Filing of this Statement: December 31, 2020 Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

UMB Financial Corporation Reports Fourth Quarter Net Income of $156.3 Million and Record Full-Year Earnings of $286.5 million Fourth Quarter 2020 Financial Highlights (all comparisons to prior year)

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Fourth Quarter Net Income of $156.3 Million and Record Full-Year Earnings of $286.5 million Fourth Quarter 2020 Financial Hig

2 Cautionary Notice about Forward-Looking Statements This presentation of UMB Financial Corporation (the “company,” “our,” “us,” or “we”) contains, and our other communications may contain, forward-looking statements within the meaning of the Private

Fourth Quarter 2020 January 26, 2021 UMB Financial Exhibit 99.2 2 Cautionary Notice about Forward-Looking Statements This presentation of UMB Financial Corporation (the “company,” “our,” “us,” or “we”) contains, and our other communications may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the f

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 1/26/2021 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS E

Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (MARK ONE) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number001-38481 UMB FIN

Cautionary Notice about Forward-Looking Statements This presentation of UMB Financial Corporation (the “company,” “our,” “us,” or “we”) contains, and our other communications may contain, forward-looking statements within the meaning of the Private S

Third Quarter 2020 October 27, 2020 UMB Financial Exhibit 99.2 Cautionary Notice about Forward-Looking Statements This presentation of UMB Financial Corporation (the “company,” “our,” “us,” or “we”) contains, and our other communications may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): 10/27/2020 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Commission File Number: 001-38481 Missouri 43-0903811 (State or other jurisdiction of (IRS

UMB Financial Corporation Reports Third Quarter 2020 Net Income of $73.1 Million and Announces 3.2% Dividend Increase Third Quarter 2020 Highlights

Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hague: 816.860.5088 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Third Quarter 2020 Net Income of $73.1 Million and Announces 3.2% Dividend Increase Third Quarter 2020 Highlights • GAAP net