Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 27

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 27
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 owing by the Company. 22

A series of subordinated debt securities may be subordinated to another series of subordinated debt securities, all as and to the extent provided in the relevant documentation for each issue of subordinated debt securities. Each supplement for a series of subordinated debt securities will indicate the aggregate amount of our senior indebtedness outstanding, as of the most recent practicable date and any limitation on the issuance of additional senior indebtedness. As of December 31, 2024, on a non-consolidatedbasis, together with our consolidated subsidiaries, we had approximately $383.3 million of senior long-term debt and certain short-term borrowings. Senior indebtedness includes our obligations under Federal Home Loan Bank borrowings, certain trust preferred securities and certain other long-term borrowings. In addition, holders of subordinated debt securities may be fully subordinated to interests held by the U.S. government in the event that we enter into a receivership, insolvency, liquidation or similar proceeding. We will describe in the applicable prospectus supplement the other terms and conditions, if any, upon which any series of subordinated securities is subordinated to debt securities of another series or to our other indebtedness. The terms will include a description of:

| • |     | the indebtedness ranking senior to the debt securities being offered; |

| • |     | the restrictions, if any, on payments to the holders of the debt securities being offered while a default with 
 respect to the senior indebtedness is continuing;                                                              |

| • |     | the restrictions, if any, on payments to the holders of the debt securities being offered following an event of 
 default; and                                                                                                    |

| • |     | provisions requiring holders of the debt securities being offered to remit some payments to holders of senior 
 indebtedness.                                                                                                 |

Interest Rate Debt securities that bear interest will do so at a fixed rate, a floating rate or combination thereof. Original Issue Discount One or more series of debt securities offered by this prospectus may be sold at a substantial discount below their stated principal amount, bearing no interest or interest at a rate that at the time of issuance is below market rates. The material U.S. federal income tax consequences and special considerations applicable to any series of debt securities generally will be described in the applicable prospectus supplement. Registered Global Securities We may issue registered debt securities of a series in the form of one or more fully registered global securities. We will deposit the registered global security with a depositary or with a nominee for a