Company: UMBFO
Filing Date: 2025-06-25
Form Type: 11-K
Source: 0000950170-25-089908
Chunk: 11

Company: UMB FINANCIAL CORP
Filing Date: 2025-06-25
Form: 11-K
Chunk 11
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 years of service may elect to transfer a portion of their ESOP account balance to the Plan. A participant may diversify up to 25 percent of the number of shares allocated to their account, less any shares previously diversified. Upon attaining age 60, the percentage changes to 50 percent.

#### 9.
Subsequent Event

Effective January 1, 2025, the UMB Retirement Master Trust was dissolved. The Plan no longer has an interest in the Master Trust, and the Plan's assets related to its share of the allocated net assets of the Master Trust are held by the Plan directly.

On January 31, 2025, the Company acquired all of the outstanding stock of Heartland Financial USA, Inc. (HTLF). Individuals who became employees of the Company as a result of the acquisition of HTLF are eligible to participate in the Plan. Individuals who became employees of the Company were also provided the option to rollover balances from the HTLF Retirement Plan into the Plan. For those employees who elected to rollover balances into the Plan, the completion of that rollover is expected to occur in the third quarter of 2025.

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| UMB PROFIT SHARING AND 401(k) SAVINGS PLAN 
 EIN: 43-0903811  PLAN NUMBER: 001          
 SCHEDULE OF ASSETS (HELD AT END OF YEAR)   
 DECEMBER 31, 2024                          
 (a)                                        | (b)                                                     
 Identity of Issue, Borrower, Lessor or Similar Party    |     | (c)                                                                                                    
 Description of Investment Including Maturity Date, Rate of Interest, Collateral, Par or Maturity Value |     | (d)    
 Cost** |     | (e)           
 Current Value |           |
|:-------------------------------------------|:--------------------------------------------------------|:----|:-------------------------------------------------------------------------------------------------------|:----|:-------|:----|:--------------|----------:|
| *                                          | Plan Participants                                       |     | Promissory notes, interest rates from 2.25% to 10.50%; maturity dates through June 2041                |     |        |     | $             | 8,205,080 |
| *                                          | Represents party in interest to the Plan.               |     |                                                                                                        |     |        |     |               |           |
| **                                         | Cost not required for participant directed investments. |     |                                                                                                        |     |        |     |               |