UMB Financial Reports Strong Q2 2025 Performance

Umb Financial Corp. ( (UMBF) ) has released its Q2 earnings. Here is a breakdown of the information Umb Financial Corp. presented to its investors.

UMB Financial Corporation, a financial services company headquartered in Kansas City, Missouri, offers a range of banking services including commercial, personal, and institutional banking across multiple states in the U.S. and serves clients internationally.

In the second quarter of 2025, UMB Financial Corporation reported a significant increase in net income available to common shareholders, reaching $215.4 million, or $2.82 per diluted share, marking a 112.5% increase compared to the same quarter in 2024. The company also saw a notable improvement in its efficiency ratio and net interest margin.

Key financial metrics for the quarter included a 12.7% increase in average loans to $36.4 billion and a 10.7% rise in average deposits to $55.6 billion. Net interest income grew by 17.4% from the previous quarter, while noninterest income saw a 33.7% increase, bolstered by gains from investments such as Voyager Technologies, Inc. Expenses included $13.5 million in acquisition-related costs, reflecting the integration of Heartland Financial, USA, Inc.

The company successfully completed an underwritten public offering of Series B preferred stock, adding $294.1 million to its Tier 1 regulatory capital. UMB Financial also reported improved asset quality metrics, with net charge-offs decreasing to 17 basis points of average loans.

Looking ahead, UMB Financial Corporation remains focused on integrating the remaining Heartland Financial franchises and continuing its growth trajectory, supported by strong balance sheet growth and strategic investments.