---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-004422"
form_type: "8-K"
ticker: "UMBF"
cik: "0000101382"
company_name: "UMB FINANCIAL CORP"
filed_at: "2025-01-10T23:59:59+00:00"
generated_at: "2026-05-28T04:24:21.983285+00:00"
event_type: "m_and_a"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# UMB Financial receives regulatory approvals to complete Heartland acquisition; close expected Jan 31, 2025

## Summary
- Combined assets ~$66B, top 4% of publicly traded U.S. banks (based on Sept. 30, 2024 data).
- Acquisition increases private wealth AUM/AUA by 31%; nearly doubles retail deposit base; expands from 8 to 13 states.
- Five HTLF board members (Schmidt, Henderson, Hopkins, Lazo, Murphy) will join UMB Board, growing it to 16 members.
- Final regulatory approvals from OCC and Federal Reserve received; shareholder approvals already obtained.
- Transaction expected to close on or around Jan. 31, 2025, subject to remaining customary closing conditions.

## SEC filing metadata
- accession: 0001193125-25-004422
- form_type: 8-K
- ticker: UMBF
- cik: 0000101382
- company_name: UMB FINANCIAL CORP
- filed_at: 2025-01-10T23:59:59+00:00
- event_type: m_and_a
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/101382/000119312525004422/0001193125-25-004422-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/101382/000119312525004422/d904137d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-004422
- JSON: https://secwatch.observer/filing/0001193125-25-004422.json
- Plain text: https://secwatch.observer/filing/0001193125-25-004422.txt

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