Earnings Releases·Oct 27, 2026, 4:05 PM ET

UMB Financial Corporation — Third Quarter 2026 Earnings Summary

GAAP net income available to common shareholders rose 51.0% year-over-year to $272.3 million ($3.56 per diluted share), driven by a 13.9% increase in total revenue to $772.4 million and a significant improvement in the GAAP efficiency ratio to 48.71% from 58.09%.
The company reported record gross loan production of $3.1 billion and a 24.9% year-over-year increase in average commercial and industrial loan balances, while net charge-offs remained low at 13 basis points of average loans.
Management highlighted strong momentum and a diversified model to navigate macroeconomic headwinds, including persistent inflation and geopolitical instability, with no changes to forward-looking guidance provided in the summary.
Strategic capital actions included the redemption of $150.0 million in subordinated notes in mid-September 2026, while regulatory capital ratios exceeded "well-capitalized" thresholds with a Common Equity Tier 1 ratio of 11.50%.