Financial Performance Highlights - Net interest income increased to $467 million in 2Q 2025, which included $29.1 million in contractual accretion income and $13.1 million from accelerated loan payoffs[54] - Noninterest income rose to $222.2 million in 2Q 2025, driven by strong fund services income, higher card purchase volume, and increased 12b-1 fees, including a $37.7 million gain on investment securities[54] - Operating PTPP (Pre-Tax, Pre-Provision) income reached $309.2 million, or $4.06 per diluted share[54] - Average total deposits grew to $55.649 billion in 2Q 2025, with average noninterest-bearing deposits (DDA) increasing by $975 million to $14.403 billion[55] - The FTE Net Interest Margin was 3.10%, which included a $42.2 million benefit from purchase accounting accretion; excluding PAA, the core NIM was 2.83%[55] Balance Sheet and Credit Quality - Average loans increased to $36.407 billion in 2Q 2025, led by C&I growth, followed by owner-occupied and investment CRE[55] - The allowance for credit losses on total loans was 1.06%[55] - Net charge-offs were 0.17% of average loans, with legacy UMB NCOs at 0.13%[55] HTLF Acquisition Impact - $42.2 million in net interest income accretion was recognized in 2Q 2025 related to the HTLF acquisition[44] - Core deposit intangible amortization related to the HTLF acquisition was $(21.6) million in 2Q 2025[45] Business Segment Performance - Commercial & Personal Banking Services revenue was $514.9 million in 2Q 2025, with average deposits of $39 billion[8] - Institutional Banking Services revenue was $174.3 million in 2Q 2025, with average deposits of $16.6 billion and $600.6 billion in AUA[10]

Financial Highlights - UMB Financial Corporation's market capitalization is $7.7 billion[5] - Total assets reached $69.3 billion[5] - Gross loans amounted to $35.9 billion[5] - Total deposits totaled $58.5 billion[5] - Institutional Assets Under Administration (AUA) reached $558.9 billion[5] - The Common Equity Tier 1 Capital Ratio is 10.11%[5] - The Total Risk Based Capital Ratio is 12.54%[5] Q1 2025 Performance - Commercial & Personal Banking Services revenue was $398.9 million, with average deposits of $33.7 billion[9] - Institutional Banking Services revenue was $164.9 million, with average deposits of $16.6 billion[12] - Net Interest Income (NII) was $397.6 million, including Purchase Accounting Adjustments (PAA) accretion of $28.6 million[62] - Net income available to common shareholders (GAAP) was $79.3 million, or $1.21 per diluted share[62]