UMB金融 2025年度报告

ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commission file number 001-38481 A.Full title of the plan: UMB Profit Sharing and 401(k) Savings Plan B.Name of the issuerof the securities held pursuant to the plan and the address of its principal executive office: UMB Financial Corporation1010 Grand BoulevardKansas City, Missouri 64106 UMB PROFIT SHARING AND 401(k) SAVINGS PLANFINANCIAL STATEMENTS CONTENTS Page Report of Independent Registered Public Accounting Firm3Financial StatementsStatement of Net Assets Available for Benefits5Statement of Changes in Net Assets Available for Benefits6Notes to Financial Statements7Supplementary InformationSchedule of Assets (Held at End of Year)14Signature15Exhibit Index16 Report of IndependentRegistered Public Accounting Firm Personnel Programs and Employee Benefit AdministrativeCommittee of UMB Financial Corporation and Plan Participants ofUMB Profit Sharing and 401(k) Savings PlanKansas City, Missouri Opinion On The Financial Statements We have audited the accompanying statement of net assets available for benefits of UMB Profit Sharing and 401(k) Savings Plan(the Plan) as of December 31, 2025 and 2024, and the related statement of changes in net assets available for benefits for the yearsthen ended, and related notes (collectively referred to as the financial statements). In our opinion, the financial statements presentfairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2025 and 2024, and the changes innet assets available for benefits for the years then ended, in conformity with accounting principles generally accepted in the UnitedStates of America. Basis For Opinion These financial statements are the responsibility of the Plan’s management.Our responsibility is to express an opinion on thePlan’s financial statements based on our audits.We are a public accounting firm registered with the Public Company AccountingOversight Board (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S.federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB. We conducted our audits in accordance with the standards of the PCAOB.Those standards require that we plan and perform theaudit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to erroror fraud. 3Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due toerror or fraud, and performing procedures that respond to those risks.Such procedures included examining, on a test basis,evidence regarding the amounts and disclosures in the financial statements.Our audits also included evaluating the accountingprinciples used and significant estimates made by management, as well as evaluating the overall presentation of the financialstatements. We believe that our audits provide a reasonable basis for our opinion. Supplemental Information The supplemental information in the accompanying schedule of assets (held at end of year) as of December 31, 2025 has beensubjected to audit procedures performed in conjunction with the audit of the Plan’s financial statements.The supplementalinformation is the responsibility of the Plan’s management.Our audit procedures included determining whether the supplementalinformation reconciles to the financial statements or the underlying accounting and other records, as applicable, and performingprocedures to test the completeness and accuracy of the information presented in the supplemental information.In forming ouropinion on the supplemental information, we evaluated whether the supplemental information, including its form and content, ispresented in conformity with the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the EmployeeRetirement Income Security Act of 1974.In our opinion, the supplemental information is fairly stated, in all material respects, inrelation to the financial statements as a whole. /s/ RubinBrown LLP We have served as the Plan’s auditor since 2007. Kansas City, MissouriJune 24, 2026 UMB PROFIT SHARING AND 401(k) SAVINGS PLANSTATEMENT OF NET ASSETS AVAILABLE FOR BENEFITS UMB PROFIT SHARING AND 401(k) SAVINGS PLANSTATEMENT OF CHANGES IN NET ASSETSAVAILABLE FOR BENEFITS UMB PROFIT SHARING AND 401(k) SAVINGS PLANNOTES TO FINANCIAL STATEMENTSDecember 31, 2025 and 2024 1.Description of the Plan The following description of the UMB Profit Sharing and 401(k) Savings Plan (the Plan) provides only general information.Participants should refer to the Plan Agreement for a more complete description of the Plan’s provisions. General T