We invite you to download our 2024 Corporate Citizenship and ESG Report. This report includes details on our approach to environmental, social and governance (ESG) programs and metrics in our employer standards, community connections, environmental policies and risk management practices.

The past year has been an exhilarating leap forward for UMB and our teams. On January 31, 2025, we closed on a landmark deal to acquire Heartland Financial (HTLF), which added five states to our footprint, nearly doubled our retail presence and increased our wealth management portfolio by 32%.

This acquisition is more than a milestone—it brings an expanded team, expertise, and enhanced products, services and investments to our customers.

Supporting our new communities

With this tremendous growth comes a need to lean into our core values—not only to welcome new associates across the U.S., but to ensure our new communities benefit from the resources UMB provides.

In 2024, we organized several significant donations to deserving organizations and causes totaling $350,000. These donations—which include the Dubuque Community Y, the South Plains Food Bank and the National Hispanic Cultural Center Foundation in Albuquerque—were given on behalf of the UMB Financial Corporation Charitable Foundation, as well as the William T. Kemper Foundation, which is one of several foundations started by my family with the intent to support the cities we serve.

As we become a combined company, you can expect more—more investment, more options and more support.

Key achievements related to our 2024 community involvement, giving and associate support:

Financial stewardship is our foundation

We are committed to being good financial stewards, which in turn serves the economic needs of people and businesses in our neighborhoods. This includes an intentional focus on the following areas, among others you’ll find in our 2024 Corporate Citizenship and ESG report.

  • Upholding rigorous employer standards and associate benefits to attract and retain talent
  • Fostering inclusion and diversity internally and externally
  • Supporting communities, customers and economies with financial services and education
  • Conscientious environmental policies and progress
  • Transparent and prudent company governance

More than ever, regional financial institutions are critical contributors to local economies and have become increasingly important in supporting community growth and stability.

While we’re mindful of all opportunities, we are focused on the communities in which we live and work. The strength of UMB shines through our efforts to help families, diverse communities, institutions, and businesses of all sizes, through services like down payment assistance and support of local entrepreneurs.

Key achievements related to environmental sustainability:

      • 136,244 Kilowatt hours generated from solar panels across UMB properties
      • 7 million Kilowatt hours saved from LED lighting upgrades
      • 85 UMB buildings onboarded to the ENERGY STAR® rating system
      • 250,000 bees across six colonies hosted in UMB Denver locations
      • 48 tons of comingled recycling in 2024
      • 7 tons of cardboard recycling in 2024
      • 499 pounds of recycled batteries in 2024

Steadfast and service-first

Building a company to withstand global tensions, unpredictable markets and political turmoil requires you to focus on more than the balance sheet. We must make conscious and careful decisions. We must learn from history and be open to new challenges and opportunities.

It’s a unique accomplishment for an institution to survive and thrive for the long haul, and I am incredibly proud and grateful to be a part of UMB’s legacy. Through the decades, UMB’s focus remains—and will remain—on relationships.

Key information related to our business structure and practices:

Our promise

We will continue working hard every day to make you proud of our organization. At UMB, you can Count on more®—from me, and from every one of our associates, as we meet the evolving needs of our clients and communities and grow to serve new markets across the nation.

To learn more about UMB and our connections to the communities we serve, visit our community involvement page and follow us on Facebook‡ and LinkedIn‡.


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