Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 101

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 1B
Chunk 101
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As) in which the loan collateral is located.  The table separately discloses all MSAs that represent at least 5.0% of the Company's office commercial real estate portfolio as of either period presented, while the remainder are included in “All Others.”

51

Table 13

    Office CRE loans by MSA

    December 31, 2024

    December 31, 2023

    Dallas-Fort Worth-Arlington, TX

    23.1
    %

    22.7
    %

    Kansas City, MO-KS

    10.1

    7.8

    Jacksonville, FL

    9.3

    9.1

    St. Louis, MO-IL

    7.5

    6.7

    Tampa-St. Petersburg-Clearwater, FL

    7.3

    6.8

    Raleigh-Cary, NC

    5.8

    5.9

    Cincinnati-Middletown, OH-KY-IN

    5.8

    5.1

    Phoenix-Mesa-Scottsdale, AZ

    5.3

    4.5

    Indianapolis-Carmel, IN

    5.0

    4.9

    Milwaukee-Waukesha-West Allis, WI

    —

    5.2

    All others

    20.8

    21.3

    Total Office CRE

    100.0
    %

    100.0
    %

Consumer real estate loans increased $226.5 million, or 7.7%, compared to 2023.  These loans represented 12.4% of total loans as of December 31, 2024, compared to 12.8% as of December 31, 2023.  

For further information on loan portfolio segments refer to Note 3, “Loans and Allowance for Credit Losses,” in the Notes to the Consolidated Financial Statements.

Nonaccrual, past due and restructured loans are discussed under “Quantitative and Qualitative Disclosure about Market Risk – Credit Risk Management” in Item 7A of this report.

Investment Securities

The Company’s investment portfolio contains trading, available-for-sale (AFS), and held-to-maturity (HTM) securities as well as FRB stock, Federal Home Loan Bank (F