FinObservatory

SEC filings / CIK 101382

UMB FINANCIAL CORP

National commercial banks, MO. 16 10-K filer-years in this dataset, the most recent for FY2025, filed Feb 26, 2026. Every figure below is as filed by the company and untouched: FinObservatory has not restated, rescaled or corrected anything, and a blank is a fact the filing does not tag, not a zero.

This is the SEC holding company, identified by its Central Index Key. It is not the insured bank subsidiary that appears in /banks and /deposits, which are FDIC call-report entities on a different consolidation. Nothing here should be compared line for line with those.

Held-to-maturity gap against reported equity

The fair value of the held-to-maturity book minus its carrying amount, divided by the stockholders’ equity the same filing reports. Years marked n/a are years in which the filing does not tag one of the three.

-25-20-15-10-505FY2010: HTM fair value less carrying amount, +0.5% of reported stockholders’ equityFY2011: HTM fair value less carrying amount, +1.1% of reported stockholders’ equityFY2012: HTM fair value less carrying amount, +1.2% of reported stockholders’ equityFY2013: HTM fair value less carrying amount, +1.4% of reported stockholders’ equityFY2014: HTM fair value less carrying amount, +1.6% of reported stockholders’ equityFY2015: HTM fair value less carrying amount, +1.3% of reported stockholders’ equityFY2016: HTM fair value less carrying amount, -0.5% of reported stockholders’ equityFY2017: HTM fair value less carrying amount, -2.5% of reported stockholders’ equityFY2018: HTM fair value less carrying amount, -4.5% of reported stockholders’ equityFY2019: HTM fair value less carrying amount, -1.3% of reported stockholders’ equityFY2020: HTM fair value less carrying amount, +0.6% of reported stockholders’ equityFY2021: HTM fair value less carrying amount, -1.1% of reported stockholders’ equityFY2022: HTM fair value less carrying amount, -21.7% of reported stockholders’ equityFY2023: HTM fair value less carrying amount, -16.3% of reported stockholders’ equityFY2024: HTM fair value less carrying amount, -18.1% of reported stockholders’ equityFY2025 (partial): HTM fair value less carrying amount, -6.1% of reported stockholders’ equity10111213141516171819202122232425Fiscal year of the 10-K% of reported stockholders’ equity

The gap is computable for 16 of this company’s 16 filings. In 6 of the 16 filings the carrying amount is tagged with a company-invented element rather than a us-gaap one, so a standard-taxonomy screen would return no carrying amount for those years.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: consolidated USD balance-sheet instants at each filing's own period end, from this company's 10-K submissions with prevrpt = 0. Methodology

Filing history, as filed

FYFiledAssetsDepositsEquityAOCIHTM carryingHTM fair valueGap, % of equityCustom facts
2025pFeb 26, 2026$73.09bn$60.66bn$7.69bn-$261.5m$5.72bnext$5.25bn-6.1%17.9%
2024Feb 27, 2025$50.41bn$43.14bn$3.47bn-$573.0m$5.38bnext$4.75bn-18.1%17.9%
2023Feb 22, 2024$44.01bn$35.79bn$3.10bn-$556.9m$5.69bnext$5.18bn-16.3%17.4%
2022Feb 23, 2023$38.51bn$32.64bn$2.67bn-$702.7m$5.86bnext$5.28bn-21.7%17.2%
2021Feb 24, 2022$42.69bn$35.60bn$3.15bn$126.3m$1.48bnext$1.44bn-1.1%16.2%
2020Mar 1, 2021$33.13bn$27.05bn$3.02bn$318.3m$1.01bnext$1.03bn+0.6%13.5%
2019Feb 27, 2020$26.56bn$21.60bn$2.61bn$83.2m$1.12bn$1.08bn-1.3%7.5%
2018Mar 1, 2019$23.35bn$19.28bn$2.23bn-$95.8m$1.17bn$1.07bn-4.5%6.1%
2017Feb 22, 2018$21.77bn$18.02bn$2.18bn-$45.5m$1.26bn$1.21bn-2.5%5.9%
2016Feb 23, 2017$20.68bn$16.57bn$1.96bn-$57.5m$1.12bn$1.11bn-0.5%3.9%
2015Feb 25, 2016$19.09bn$15.09bn$1.89bn-$3.7m$667.1m$691.4m+1.3%3.1%
2014Feb 27, 2015$17.50bn$13.62bn$1.64bn$11.0m$278.1m$304.1m+1.6%1.9%
2013Feb 25, 2014$16.91bn$13.64bn$1.51bn-$32.6m$209.8m$231.5m+1.4%2.5%
2012Feb 25, 2013$14.93bn$11.65bn$1.28bn$85.6m$114.8m$129.5m+1.2%1.9%
2011Feb 28, 2012$13.54bn$10.17bn$1.19bn$81.1m$89.2m$102.3m+1.1%1.3%
2010Feb 24, 2011$12.40bn$9.03bn$1.06bn$25.5m$63.6m$68.8m+0.5%4.3%

ext marks a carrying amount tagged with a company-invented element. p marks FY2025, which the dataset’s filing window (closing Mar 31, 2026) leaves incomplete across filers. “Custom facts” is the share of that filing’s consolidated facts carrying a company-invented tag, in any unit.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: this company's 10-K submissions with prevrpt = 0, one per fiscal year by latest filed date; consolidated USD instants at each filing's period end. Dollar columns are raw US dollars. Methodology

What this page cannot tell you

  • A blank in the held-to-maturity columns means the filing does not tag that fact on the consolidated face. It does not mean the company holds no held-to-maturity securities, and this dataset cannot distinguish the two.
  • A held-to-maturity gap is not a realised loss. Held to maturity, the securities pay par. The gap measures how far the reported equity sits from a mark-to-market equity, which becomes a solvency question only if the book must be sold.
  • AOCI is not the held-to-maturity mark. It bundles available-for-sale marks, hedge marks, pension and translation, net of tax. Do not add the two columns.
  • Every value is as filed. A scale error, sign error or mis-tag by the company is reproduced here exactly as the company made it.

Pages exist for the 650 bank and thrift holding companies with at least one 10-K from FY2015 onward, out of 900 with a 10-K anywhere in the dataset.