Umb Financial Corp

• Average borrowed funds decreased $27.7 million as compared to the linked quarter and decreased $836.6 million as compared to the third quarter of 2024, driven by the repayment of the 2020 subordinated debt issuance during the third quarter of 2025 as well as repayment of borrowings under the BTFP and FHLB advances during the fourth quarter of 2024.

SEC original ↗Umb Financial Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

• In mid-September 2025, the company redeemed the $188.9 million in outstanding 3.70% fixed-to-fixed rate subordinated notes due 2030.

SEC original ↗Umb Financial Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Net Interest Margin Impact Net Interest Income Accretion Non-interest Expense Amortization $ in millions $ in millions Projected Contractual Accretion $111.4 million recognized YTD ‘25 Includes accretion on acquired loans, securities, time deposits and borrowings Projections are updated quarterly, assume no prepayments and are subject to change $ in millions 3rd Quarter 2025 Financial Review 3Q 2025 Highlights – Income Statement (1) Net interest income-FTE, net operating income available to common shareholders / EPS, and operating PTPP income / EPS are non-GAAP measures, reconciled on slides 52 and 53.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

(1) Net operating income available to common shareholders is a non-GAAP measure, reconciled on slide 52; (2) Operating PTPP income and EPS is a non-GAAP measure, reconciled on slide 53; (3) Net gains/losses on any disposition or impairment of debt securities plus mark-to-market valuations of equity investments.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

Private Investments Minority Equity & Mezzanine Debt Institutional Banking Fund Services & Institutional Custody $509B $553B $472B $482B Provides services for 2,500 funds, including registered and alternative investment funds, PE funds, real estate and venture capital funds and ETFs and more.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

UMBF Peer Median (1) Risk-Weighted Assets / Assets Return on Risk-Weighted Assets (2) Dividend Trends Sustained Growth (1) Dividends adjusted for 2-for-1 stock split in 2006.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

Our actual future objectives, strategies, plans, prospects, performance, condition, or results may differ materially from those set forth in any forward-looking statement.

SEC original ↗Umb Financial Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Non-GAAP Reconciliations Purchase Accounting Update 8 Line of Business Updates Peer Group Corporate Overview Asset-based lending Healthcare Services National Presence International Presence UMBF Trust & Agency Services – Dublin, Ireland Specialized Lending Verticals Corporate Trust Capital Markets (5) Fund Services Private Wealth Management & Personal Trust 192 banking centers (4) 347 ATMs UMB Bank Presence & Expansion UMB Financial Corporation Headquarters Highlights At, or for the 3 months ended 09/30/25.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

We’re focused on setting clear expectations and a leadership team who is accessible and transparent.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

Using an ESG lens in considering long-term financial sustainability and strategic risk management opportunities.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

/ Education Utilities Non-Depository Financial Institutions $2.1 billion in balances to strong, seasoned borrowers Approximately 1/3 are subscription lines, largely to asset servicing and private equity clients Remainder of portfolio comprised of loans to PE firms, insurance and other financial companies Strategically underwritten, actively monitored and managed Excellent historical credit quality Non-Depository Financial Institutions 6% Commercial Banking Commercial Real Estate Sr.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

All forward-looking statements are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control.

SEC original ↗Umb Financial Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

In addition to such factors that have been disclosed previously: macroeconomic and adverse developments and uncertainties related to the collateral effects of the collapse of, and challenges for, domestic and international banks, including the impacts to the U.

SEC original ↗Umb Financial Corp — Earnings release (8-K exhibit)EX-99Oct 28, 2025

Gallagher AC, RC Greg Graves Lead Independent Director, GC (Chair) Jenny Hopkins AC, RC Janine Davidson CC, GC Brad Henderson AC, RC Kris Robbins AC, RC (Chair) Josh Sosland GC, RC Leroy Williams CC, RC Tom Wood John Schmidt GC Jim Rine Vice Chairman Forward-Looking Statements This presentation contains, and our other communications, may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder, which statements involve inherent risks and uncertainties.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

In addition to such factors that have been disclosed previously: risks related to current or future tariffs or trade restrictions, sanctions and other trade policies and the impact to UMB or its customers; macroeconomic and adverse developments and uncertainties related to the collateral effects of the collapse of, and challenges for, domestic and international banks, including the impacts to the U.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

Forward-looking statements involve known and unknown risks, uncertainties, assumptions, estimates, and other important factors that change over time and could cause actual results to differ materially from any results, performance, or events expressed or implied by such forward-looking statements.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025

These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially from those projected.

SEC original ↗Umb Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 28, 2025