Company: UMBFO
Filing Date: 2025-04-14
Form Type: 8-K/A
Source: 0001193125-25-079595
Chunk: 1

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-14
Form: 8-K/A
Chunk 1
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 by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2of the Securities Exchange Act of 1934 (§240.12b-2of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

EXPLANATORY NOTE On February 3, 2025, UMB Financial Corporation, a Missouri corporation (“UMB” or the “Company”), filed a Current Report on Form 8-K(the “Initial Form 8-K”)in connection with (a) the completion on January 31, 2025 of the previously announced merger (the “Merger”) between UMB and Heartland Financial USA, Inc., a Delaware corporation (“HTLF”), pursuant to the Agreement and Plan of Merger, dated as of April 28, 2024 (the “Merger Agreement”), by and among the Company, HTLF and Blue Sky Merger Sub Inc., a Delaware corporation and a wholly owned subsidiary of the Company. In the Initial Form 8-K,UMB stated its intention to file the historical financial statements of HTLF and the pro forma financial information required by parts (a) and (b) of Item 9.01 of Form 8-Knot later than 71 calendar days after the date that the Initial Form 8-Kwas required to be filed with the SEC. On April 11, 2025, pursuant to the instructions to Item 9.01 of Form 8-K,UMB filed Amendment No. 1 to the Current Report on Form 8-K/A(“Amendment No. 1”), which amended the Initial Form 8-Kin order to provide the required financial information. The purpose of this Amendment No. 2 to the Current Report on Form 8-K/Ais to amend the pro forma financial information filed as Exhibit 99.2 to Amendment No. 1 to correct the value of certain acquired assets previously misallocated to goodwill and to provide more information on certain purchase adjustments. The Initial Form 8-K,as amended by Amendment No. 1, otherwise remains the same and the Items therein are hereby incorporated by reference into this Current Report on Form 8-K/A.

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