Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 269

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 7A
Chunk 269
---

    Cumulative ratio of earning assets to funding sources

    2024

    0.58

    0.60

    0.62

    0.62

    0.87

    1.00

    2023

    0.61

    0.61

    0.64

    0.64

    0.88

    1.00

65

Table 23

Maturities and Sensitivities to Changes in Interest Rates

This table details loan maturities by variable and fixed rates as of December 31, 2024 (in thousands):

    Due in one year or less

    Due after one year through five years

    Due after five years through fifteen years

    Due after fifteen years

    Total

    Variable Rate

    Commercial and industrial
     
    $
    8,154,233

    $
    32,809

    $
    25

    $
    —

    $
    8,187,067

    Specialty lending

    469,194

    —

    —

    —

    469,194

    Commercial real estate

    6,129,672

    107,380

    2,470

    —

    6,239,522

    Consumer real estate

    553,279

    557,575

    265,245

    —

    1,376,099

    Consumer

    107,335

    39

    —

    —

    107,374

    Credit cards

    578,716

    50

    —

    —

    578,766

    Leases and other

    155,425

    258

    —

    —

    155,683

    Total variable rate loans

    16,147,854

    698,111

    267,740

    —

    17,113,705

    Fixed Rate

    Commercial and industrial

    634,199

    1,884,237

    195,999

    —

    2,714,435

    Specialty lending

    —

    —

    —

    —

    —

    Commercial real estate

    697,756

    2,362,633

    829,143

    2,231

    3,891,763