Company: UMBFO
Filing Date: 2025-06-25
Form Type: 11-K
Source: 0000950170-25-089908
Chunk: 2

Company: UMB FINANCIAL CORP
Filing Date: 2025-06-25
Form: 11-K
Chunk 2
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                         |     |                         |  65,632,216 |     |   |  54,763,649 |
| Administrative expenses                                        |     |                         |     143,739 |     |   |      99,717 |
| Total deductions                                               |     |                         |  65,775,955 |     |   |  54,863,366 |
| Investment income:                                             |     |                         |             |     |   |             |
| Plan interest in UMB Retirement Master Trust investment income |     |                         | 107,781,365 |     |   | 101,664,788 |
| Interest income on notes receivable from participants          |     |                         |     552,235 |     |   |     335,539 |
| Increase in net assets available for benefits before transfers |     |                         | 101,016,474 |     |   | 108,067,931 |
| Transfers from The ESOP of UMB                                 |     |                         |   1,078,163 |     |   |     248,708 |
| Increase in net assets available for benefits                  |     |                         | 102,094,637 |     |   | 108,316,639 |
| Net assets available for benefits - beginning of year          |     |                         | 615,480,447 |     |   | 507,163,808 |
| Net assets available for benefits - end of year                |     | $                       | 717,575,084 |     | $ | 615,480,447 |

See accompanying Notes to Financial Statements.

<div align='center'>6

umb profit sharing and 401(k) savings plan

NOTES TO FINANCIAL STATEMENTS

December 31, 2024 and 2023</div>

#### 1.
Description of the Plan

The following description of the UMB Profit Sharing and 401(k) Savings Plan (the Plan) provides only general information. Participants should refer to the Plan Agreement for a more complete description of the Plan’s provisions.

General

The Plan is a defined contribution profit sharing plan covering substantially all employees of UMB Financial Corporation and affiliates (collectively, the Company or UMB) and provides for retirement, disability and death benefits. It is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA), as amended. The Trustee is Fidelity Management Trust Company.

Eligibility and Participation