---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-253287"
form_type: "8-K"
ticker: "UMBF"
cik: "0000101382"
company_name: "UMB FINANCIAL CORP"
filed_at: "2022-09-28T23:59:59+00:00"
generated_at: "2026-06-23T06:53:33.142293+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# UMB Financial completes $110M subordinated notes offering at 6.25% fixed rate due 2032

## Summary
- Completed $110M aggregate principal of 6.250% Fixed-to-Fixed Rate Subordinated Notes due 2032.
- Interest fixed at 6.250% through Sept 28, 2027, then resets to 5-year UST rate + 2.298%.
- Notes are unsecured, subordinated, and rank equally with existing subordinated debt.
- Redeemable at par after reset date (Sept 2027) or within 3 months of maturity, subject to Fed approval.
- Issued under existing indenture with Computershare Trust as trustee; net proceeds for general corporate purposes.

## SEC filing metadata
- accession: 0001193125-22-253287
- form_type: 8-K
- ticker: UMBF
- cik: 0000101382
- company_name: UMB FINANCIAL CORP
- filed_at: 2022-09-28T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 1.01, 2.03, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/101382/000119312522253287/0001193125-22-253287-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/101382/000119312522253287/d375037d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-253287
- JSON: https://secwatch.observer/filing/0001193125-22-253287.json
- Plain text: https://secwatch.observer/filing/0001193125-22-253287.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.