David Long

Jared Shaw

Nathan Race

Timur Braziler

Brian Wilczynski

Christopher McGratty

Jon Arfstrom

Benjamin Gerlinger

Brendan Nosal

Brian Foran

Janet Lee

Ben Gerlinger

Chris McGratty

John Arfstrom

- UMB Financial reported **Q3 2025 net operating income of $206.5 million, or $2.70 per share**, excluding acquisition and other non-recurring items.  **[0000101382_2213478_1]** 
- The company achieved **8% linked quarter annualized growth in both average loans and deposits**, with quarterly top line loan production surpassing **$2 billion** for the first time.  **[0000101382_2213478_1]** 
- The full systems and brand conversion for the Heartland Financial USA, Inc. acquisition was successfully completed in early October, with all cost savings from the acquisition expected to materialize by the end of **Q1 2026**.  **[0000101382_2213478_1]** **[0000101382_2213478_6]** 
- UMB Financial expects **Q4 2025 operating expenses to be in the range of $375 million to $380 million** and the core net interest margin to be essentially flat compared to Q3's **2.78%**.  **[0000101382_2213478_3]** **[0000101382_2213478_4]** 
- Management anticipates the Common Equity Tier 1 (CET1) ratio to return to **11% within one or two quarters**.  **[0000101382_2213478_8]**

UMB Financial Reports Strong Q3 2025 Results and Completes Heartland Integration

- UMBF reported **Q3 2025 net operating income** of **$206.5 million** or **$2.70 per share**, excluding acquisition expenses and nonrecurring items.  **[0000101382_2211548_1]** 
- The company achieved **8% linked quarter annualized growth** in both average loans and deposits, with quarterly top-line loan production surpassing **$2 billion** for the first time.  **[0000101382_2211548_1]**  Loan growth outpaced peer banks, which reported a **5.5% median annualized increase**.  **[0000101382_2211548_1]** 
- Credit quality remained strong with an allowance for credit losses at **1.07%** of total loans and total net charge-offs at **20 basis points** for the quarter.  **[0000101382_2211548_2]**  The common equity tier 1 ratio increased by **31 basis points** to **10.70%**.  **[0000101382_2211548_2]** 
- The Board of Directors declared a quarterly dividend of **$0.43 per share**, marking a **7.5% increase** from the prior quarter and the 23rd dividend increase in the past 20 years.  **[0000101382_2211548_2]**

UMBF Reports Strong Q3 2025 Results with Significant Loan Growth and Dividend Increase

- UMB Financial successfully completed the full systems and brand conversion of all Heartland Financial (HTLF) locations in early October 2025.  **[0000101382_2213562_1]**  The company reported **net operating income** for Q3 2025 of **$206.5 million** or **$2.70 per share**, excluding acquisition and other nonrecurring items.  **[0000101382_2213562_1]** 
- The company experienced **8% linked quarter annualized growth** in both average loans and deposits, with quarterly top line loan production surpassing **$2 billion** for the first time.  **[0000101382_2213562_1]**  Fee income also saw a strong increase of **12.4%** on a linked quarter basis, excluding market valuation changes on equity positions.  **[0000101382_2213562_1]** 
- Credit quality remained solid, with an allowance for credit losses at **1.07%** of total loans and total net charge-offs at **20 basis points** for Q3 2025.  **[0000101382_2213562_2]**  The common equity Tier 1 ratio increased by **31 basis points** from Q2 to **10.70%**.  **[0000101382_2213562_2]** 
- UMB Financial's Board of Directors declared a quarterly dividend of **$0.43 per share**, representing a **7.5% increase** from the prior quarter.  **[0000101382_2213562_2]**  For Q4 2025, the core net interest margin is expected to be **essentially flat** compared to Q3's **2.78%**, and operating expenses are projected to be in the **$375 million-$380 million** range.  **[0000101382_2213562_3]** **[0000101382_2213562_4]**

UMB Financial Reports Strong Q3 2025 Results and Completes Heartland Financial Integration

- **UMB Financial Corporation** reported **GAAP net income available to common shareholders of $180.4 million**, or **$2.36 per diluted common share**, for Q3 2025, an increase of **64.5%** compared to Q3 2024.  **[101382_0001193125-25-253477_umbf-ex99_1.htm:0]** 
- **Net operating income available to common shareholders** for Q3 2025 was **$206.5 million**, or **$2.70 per diluted common share**, an **87.2% increase** from Q3 2024.  **[101382_0001193125-25-253477_umbf-ex99_1.htm:0]** 
- The company's **efficiency ratio improved to 58.1%** in Q3 2025 from 61.7% in Q3 2024, and the **net interest margin on a fully taxable equivalent basis was 3.04%**, up 58 basis points from Q3 2024.  **[101382_0001193125-25-253477_umbf-ex99_1.htm:0]** 
- **Average loans increased 52.3%** to **$37.1 billion**, and **total assets grew 51.3% to $71.9 billion** at September 30, 2025, compared to September 30, 2024, reflecting strong organic growth and the impact of the Heartland Financial acquisition.  **[101382_0001193125-25-253477_umbf-ex99_1.htm:0]** **[101382_0001193125-25-253477_umbf-ex99_1.htm:1]** **[101382_0001193125-25-253477_umbf-ex99_1.htm:4]** 
- A quarterly common stock dividend of **$0.43 per share** was declared, marking a **7.5% increase** from the prior quarter and the 23rd dividend increase in the past 20 years.  **[101382_0001193125-25-253477_umbf-ex99_3.htm:0]**

UMB Financial Corporation Reports Strong Q3 2025 Results and Increases Dividend

UMB FINANCIAL (UMBF)