UMB Financial Corporation reported its fourth quarter (Q4) 2025 results, with GAAP net income available to common shareholders at USD 209.5 million, or USD 2.74 per diluted common share, representing an increase of 74.6%. Net operating income available to common shareholders was USD 235.2 million, or USD 3.08 per diluted common share, up 91.9%. Total revenues for Q4 2025 reached USD 720.9 million, marking a 66.0% increase. Net interest income for the period was USD 522.5 million, rising 94.3%. The net interest margin on a fully taxable equivalent basis was 3.29%, an increase of 72 basis points. The company reported a 13.0% linked-quarter annualized loan growth and a 5.6% linked-quarter annualized deposit growth, including a 24.9% increase in average demand deposit balances. Net charge-offs for the quarter were 13 basis points. Operating expenses, excluding merger-related charges, increased sequentially, mainly due to incentive compensation related to company performance.

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