UMB Financial Corporation filed its Form 10-Q for the quarterly period ended September 30, 2026, with the SEC on October 29, 2026, reporting third-quarter net income of $278,085 thousand and nine-month net income of $817,093 thousand.

Key Highlights

  • Q3 Net Income: Net income for the three months ended September 30, 2026 was $278,085 thousand, compared to $188,316 thousand for the same period in 2025.
  • Nine-Month Net Income: Net income for the nine months ended September 30, 2026 was $817,093 thousand, up from $487,043 thousand in the prior-year period.
  • Diluted EPS: Net income per common share (diluted) was $3.56 for Q3 2026 and $10.46 for the nine months ended September 30, 2026.
  • Total Assets: Total assets stood at $72,738,046 thousand as of September 30, 2026, compared to $73,094,090 thousand at December 31, 2025.
  • Total Loans: Gross loans reached $42,530,123 thousand at September 30, 2026, up from $38,779,408 thousand at December 31, 2025.
  • Net Interest Income: Net interest income was $540,005 thousand for Q3 2026, compared to $475,042 thousand for Q3 2025.
  • Shares Outstanding: As of October 26, 2026, UMB Financial Corporation had 75,952,650 shares of common stock outstanding.

UMB Financial Corporation's Third-Quarter 2026 Financial Results

According to the filing, UMB Financial Corporation (NASDAQ:UMBF) reported net interest income of $540,005 thousand for the three months ended September 30, 2026, an increase from $475,042 thousand in the comparable prior-year quarter. Total interest income for the quarter was $895,395 thousand, while total interest expense was $355,390 thousand. The provision for credit losses was $31,000 thousand for Q3 2026, compared to $22,500 thousand for Q3 2025.

The company reported total noninterest income of $232,383 thousand for Q3 2026, up from $203,298 thousand in Q3 2025, with trust and securities processing contributing $104,033 thousand. Total noninterest expense declined to $399,457 thousand from $419,285 thousand in the year-ago quarter, according to the filing. Income before income taxes was $341,931 thousand for Q3 2026 versus $236,555 thousand for Q3 2025, with income tax expense of $63,846 thousand recorded for the current quarter.

On the balance sheet, the filing disclosed total deposits of $60,169,345 thousand as of September 30, 2026, compared to $60,656,790 thousand at December 31, 2025. The allowance for credit losses on loans was $452,414 thousand at September 30, 2026. Total shareholders' equity was reported at $7,852,854 thousand, up from $7,693,568 thousand at year-end 2025. Accumulated other comprehensive loss, net, widened to $(793,245) thousand from $(261,520) thousand at December 31, 2025, reflecting changes in unrealized gains and losses on debt securities and derivative hedges during the period, as disclosed in the filing.

What Was Disclosed

UMB Financial Corporation's 10-Q for the quarter ended September 30, 2026 disclosed income statement results, balance sheet data, and per-share figures for Q3 and the nine-month period, including loan growth, deposit levels, and changes in shareholders' equity.