Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 119

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 1B
Chunk 119
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100-basis-point upward ramp scenario.  The Company’s ability to price deposits consistent with its historical approach is a key assumption in these scenarios.  

Repricing Mismatch Analysis

The Company also evaluates its interest rate sensitivity position in an attempt to maintain a balance between the amount of interest-bearing assets and interest-bearing liabilities which are expected to mature or reprice at any point in time.  While a traditional repricing mismatch analysis (gap analysis) provides a snapshot of interest rate risk, it does not take into consideration that assets and liabilities with similar repricing characteristics may not, in fact, reprice at the same time or the same degree.  Also, it does not necessarily predict the impact of changes in general levels of interest rates on net interest income.

64

Table 22 is a static gap analysis, which presents the Company’s assets and liabilities, based on their repricing or maturity characteristics and reflecting principal amortization.  Table 23 presents the break-out of fixed and variable rate loans by repricing or maturity characteristics for each loan class. 

Table 22

INTEREST RATE SENSITIVITY ANALYSIS (in millions)

    1-90

    91-180

    181-365

    1-5

    Over 5

    Days

    Days

    Days

    Total

    Years

    Years

    Total

    December 31, 2024 Earning assets

    Loans
     
    $
    16,421.1

    $
    531.3

    $
    865.8

    $
    17,818.2

    $
    5,676.3

    $
    2,150.6

    $
    25,645.1

    Securities

    1,054.4

    618.9

    657.6

    2,330.9

    5,538.6

    5,754.8

    13,624.3

    Federal funds sold and resell agreements

    545.0

    —

    —

    545.0

    —

    —

    545.0

    Other

    8,014.2

    —

    —

    8,014.2

    0.5

    —

    8,014.7

    Total earning assets
     
    $
    26,034.7

    $