Download our 2025 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.

In 2025, UMB experienced milestone growth with our acquisition of Heartland Financial USA, Inc. (HTLF) and the successful conversion of its customers to our systems, services and brand. Our branch presence has expanded from 8 to 14 states, we’ve increased our talent by more than 1,000 associates, significantly grown our commercial, retail and private wealth management businesses, and this is just the beginning.

New service reach, same service model

Change is a catalyst, and we believe this catalyst will deliver more opportunities, growth and guidance in service to your financial future. In a time of rapid change and challenging markets, people are looking for more. They want more than a faceless institution. Customers are looking for decision makers who know them and are committed to them, and at UMB we believe they deserve exactly that.

You can transact business anywhere, but forming a relationship that endures and grows is what sets us apart. We have built a team of experts and designed a diversified suite of services focused on making our customers’ lives better. Our people embrace the philosophy of doing the right thing, not what is popular.

Tenure and expertise keep our businesses focused on delivering consistent performance and exceptional customer experiences. Our average tenure is 8.8 years, nearly two times the industry average. For our customers, this means our bankers and relationship managers know you and are ready to offer support when you need it.

The future is bright

This company is more than a financial institution. It’s alive, with a heartbeat and personality, because of our people. I feel it in UMB’s offices and communities all across our footprint—including the newly acquired markets that joined us in 2025.

We will continue to ensure UMB remains focused, nimble and responsive to our customers’ needs. 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 this report.

  • Upholding rigorous employer standards and comprehensive 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, which includes providing services like down payment assistance and support for local entrepreneurs.

Deepening community connections

With our 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 2025, donations made by UMB Financial Corporation and the UMB Financial Corporation Charitable Foundation totaled more than $8.4 million. This includes $2.3 million for deserving organizations and causes in cities that joined our footprint following the acquisition. This giving will continue, and we’re excited to expand our impact as we further root ourselves in these communities.

Charitable giving highlights

Recipient nonprofit organizations were selected based on needs, associate engagement, collaboration opportunities and alignment with UMB’s approach to serving communities across its footprint, including a focus on arts, agriculture, financial education and self-sufficiency.

Lubbock, Texas | $250,000
  • Lubbock Area United Way
  • Lubbock Habitat for Humanity
  • East Lubbock Resident Owned Business Initiative (dba Skilled Trade Institute)
Phoenix, Arizona | $300,000
  • Brophy College Preparatory
  • Great Hearts Academies
  • School Choice Arizona
Dubuque, Iowa | $1 million
  • The Fountain of Youth Program, Inc.
  • United Way of Dubuque Area Tri-States
  • Hills & Dales
  • Carnegie Stout Library Foundation
  • Boys & Girls Club of Greater Dubuque
Additional Iowa giving includes:
  • $500,000 donation to the Dubuque Museum of Art from the Kemper Family Foundations, UMB Bank, n.a., Trustee*
  • $50,000 in grants from the UMB Financial Corporation Charitable Foundation to
    • Opening Doors
    • Jo Daviess Conservation Foundation
    • Iowa College Foundation
Albuquerque, New Mexico | $750,000
  • Albuquerque Public Schools (APS) Education Foundation
  • Junior Achievement of New Mexico
  • Prestamos Community Development Financial Institution, LLC – a division of Chicanos Por La Causa
  • Mandy’s Farm
  • United Way of Eastern New Mexico
Additional New Mexico giving includes:
  • $50,000 donation to the Children’s Cancer Fund of New Mexico from the UMB Charitable Foundation and the Kearney Wornall Foundation, UMB Bank, n.a., Trustee*
  • $50,000 donation to the Habitat for Humanity, Curry & Roosevelt County Chapter from the UMB Charitable Foundation and the Kearney Wornall Foundation, UMB Bank, n.a., Trustee*

* These donation amounts are not included in the $8.4 million total.

At UMB, our purpose has always been rooted in helping people succeed—our clients, our associates and the communities we serve. We’re proud to continue our tradition of supporting remarkable organizations that meet critical needs, create opportunities and strengthen the regions we call home.

Corporate citizenship

I invite you to explore our 2025 Corporate Citizenship and ESG Report which documents our efforts, practices and policies in pursuit of remaining a conscientious and forward-looking company.

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 all our 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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