---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-23-003498"
form_type: "8-K"
ticker: "UMBF"
cik: "0000101382"
company_name: "UMB FINANCIAL CORP"
filed_at: "2023-03-13T23:59:59+00:00"
generated_at: "2026-06-18T04:09:51.328002+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# UMB Financial reaffirms strong liquidity and deposit base amid banking sector volatility

## Summary
- Uninsured deposits estimated at ~57% after excluding collateralized deposits; no crypto exposure.
- Available liquidity sources total $16.2B (52% of deposits); CET1 ratio 10.62% at year-end 2022.
- Deposits well diversified: consumer avg <$25K, commercial avg <$500K; no sector over 6% of total.
- Non-performing loans only 9 bps of total loans; bond portfolio high-quality with no intent to sell AFS.

## SEC filing metadata
- accession: 0001564590-23-003498
- form_type: 8-K
- ticker: UMBF
- cik: 0000101382
- company_name: UMB FINANCIAL CORP
- filed_at: 2023-03-13T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/101382/000156459023003498/0001564590-23-003498-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/101382/000156459023003498/umbf-8k_20230313.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-23-003498
- JSON: https://secwatch.observer/filing/0001564590-23-003498.json
- Plain text: https://secwatch.observer/filing/0001564590-23-003498.txt

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