UMB金融2025年度报告

FORM 11-K ☒ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 A.Full title of the plan: UMB Profit Sharing and 401(k) Savings Plan UMB Financial Corporation1010 Grand BoulevardKansas City, Missouri 64106 UMB PROFIT SHARING AND 401(k) SAVINGS PLANFINANCIAL STATEMENTS CONTENTS Report of Independent Registered Public Accounting Firm Statement of Net Assets Available for BenefitsStatement of Changes in Net Assets Available for BenefitsNotes to Financial Statements Supplementary InformationSchedule of Assets (Held at End of Year)SignatureExhibit Index Report of IndependentRegistered Public Accounting Firm Personnel Programs and Employee Benefit AdministrativeCommittee of UMB Financial Corporation and Plan Participants ofUMB Profit Sharing and 401(k) Savings Plan Opinion On The Financial Statements We have audited the accompanying statement of net assets available for benefits of UMB Profit Sharing and 401(k) Savings Plan(the Plan) as of December 31, 2025 and 2024, and the related statement of changes in net assets available for benefits for the yearsthen ended, and related notes (collectively referred to as the financial statements). In our opinion, the financial statements presentfairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2025 and 2024, and the changes in Basis For Opinion These financial statements are the responsibility of the Plan’s management.Our responsibility is to express an opinion on thePlan’s financial statements based on our audits.We are a public accounting firm registered with the Public Company AccountingOversight Board (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S. We conducted our audits in accordance with the standards of the PCAOB.Those standards require that we plan and perform theaudit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due toerror or fraud, and performing procedures that respond to those risks.Such procedures included examining, on a test basis,evidence regarding the amounts and disclosures in the financial statements.Our audits also included evaluating the accounting Supplemental Information The supplemental information in the accompanying schedule of assets (held at end of year) as of December 31, 2025 has beensubjected to audit procedures performed in conjunction with the audit of the Plan’s financial statements.The supplementalinformation is the responsibility of the Plan’s management.Our audit procedures included determining whether the supplementalinformation reconciles to the financial statements or the underlying accounting and other records, as applicable, and performing /s/ RubinBrown LLP We have served as the Plan’s auditor since 2007. Kansas City, MissouriJune 24, 2026 UMB PROFIT SHARING AND 401(k) SAVINGS PLANNOTES TO FINANCIAL STATEMENTS 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 andaffiliates (collectively, the Company or UMB) and provides for retirement, disability and death benefits. It is subject to the Eligibility and Participation Employees are eligible to make elective deferral contributions and receive the Company matching contribution upon the firstof the month following the date of hire. The Plan provides that employees with one year of service and 1,000 hours of service eachyear become eligible to participate in the profit sharing portion of the Plan. Employees are eligible to receive the Company profitsharing contribution on the earlier of the first day of the Plan year or the first day of the seventh month of the Plan year aftersatisfying eligibility requirements. With limited exceptions, participants must be actively employed on the last day of the Plan year Contributions Contributions are subject to certain Internal Revenue Code (IRC) limitations. Employee Contributions: Each year, participants may contribute up to a percentage of their annual compensation as defined in the Plan Agreement.Participants may also elect to designate their contributions as pretax contributions, Roth contributions, or a combination of pretaxand Roth contributions. In addition, all employees who are eligible to make elective deferral contributions under the Plan and haveattained age 50 shall be eligible to make catch-up contributions in accordance with the Plan Agreement. Beginning in 2025, All employees of UMB hire