Company: UMBFO
Filing Date: 2025-04-11
Form Type: 8-K/A
Source: 0001193125-25-078467
Chunk: 1

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
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 NoteOn February 3, 2025, UMB Financial Corporation, a Missouri corporation (“UMB” or the “Company”), filed a Current Report on Form8-K(the “Initial Form8-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.This Current Report on Form8-K/Aamends the Original8-Kto file the financial information required by Items 9.01(a) and 9.01(b) of Form8-K.Such information should be read in conjunction with the Initial Form8-K.Except as provided herein, the disclosures made in the Initial Form8-Kremain unchanged.Item 9.01.Financial Statements and Exhibits.(a) Financial Statements of Business AcquiredThe audited consolidated balance sheets of HTLF as of December 31, 2024 and 2023, and the related audited consolidated statements of income, comprehensive income, changes in equity and cash flows for the fiscal years ended December 31, 2024 and 2023, together with the notes thereto and independent auditor’s reports thereon required by Item 9.01(a) of Form8-Kare filed as Exhibit 99.1 hereto and are incorporated herein by reference.(b) Pro Forma Financial InformationThe following unaudited pro forma combined financial information is filed as Exhibit 99.2 hereto and is incorporated herein by reference.•Unaudited pro forma condensed combined balance sheet as of December 31, 2024;•Unaudited