UMB Financial Corporation filed an 8-K current report on October 27, 2026, disclosing the execution of an Agreement and Plan of Merger under which El Dorado Savings Bank, F.S.B. will merge with and into UMB Bank, National Association.

Key Highlights

  • Merger Agreement signed: UMB Financial Corporation announced the execution of the Agreement and Plan of Merger, dated October 27, 2026, involving El Dorado Savings Bank, F.S.B.
  • Transaction structure: El Dorado Savings Bank, a federal savings association, will merge with and into UMB Bank, National Association, with UMB Bank continuing as the surviving bank.
  • UMB Bank relationship: UMB Bank, National Association is described in the filing as a direct, wholly owned subsidiary of UMB Financial Corporation.
  • Investor materials furnished: A press release and an investor presentation, both dated October 27, 2026, were attached as Exhibits 99.1 and 99.2, respectively, and furnished under Regulation FD.
  • Filing status: The information furnished under Item 7.01, including both exhibits, is not deemed "filed" with the SEC for purposes of Section 18 of the Securities Exchange Act of 1934.
  • Rule 425 communications: The filing is marked as written communications pursuant to Rule 425 under the Securities Act.

UMB Financial Discloses Merger Agreement With El Dorado Savings Bank

According to the filing, UMB Financial Corporation (NASDAQ:UMBF), a Missouri corporation headquartered at 1010 Grand Blvd., Kansas City, MO 64106, issued a press release on October 27, 2026, announcing the signing of a merger agreement with El Dorado Savings Bank, F.S.B., a federal savings association. Under the terms described in the filing, El Dorado will merge with and into UMB Bank, National Association, a direct, wholly owned subsidiary of UMB, with UMB Bank continuing as the surviving bank upon completion of the transaction.

The 8-K was filed under Item 7.01 (Regulation FD Disclosure), and the company also disclosed that it intends to provide supplemental information regarding the proposed transaction in connection with presentations to analysts and investors. The press release and investor presentation were attached as exhibits and incorporated by reference, though the filing specifies that the furnished materials are not deemed "filed" with the SEC and are not subject to the liabilities of Section 18 of the Securities Exchange Act of 1934.

The filing includes cautionary language noting that the document may contain forward-looking statements, and that such statements involve known and unknown risks and uncertainties. Among the conditions and risks cited by the company are the receipt of required regulatory, stockholder, and other approvals, the possibility that the merger may not close when expected or at all, and potential integration challenges. The filing states that these are the company's own forward-looking statements and are subject to its cautionary language.

What Was Disclosed

UMB Financial Corporation disclosed the signing of a merger agreement dated October 27, 2026, under which El Dorado Savings Bank, F.S.B. will merge into wholly owned subsidiary UMB Bank, National Association. A press release and investor presentation were furnished as exhibits.