{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-23-004344","form_type":"8-K","ticker":"UMBF","cik":"0000101382","company_name":"UMB FINANCIAL CORP","filed_at":"2023-03-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.489251+00:00","generated_at":"2026-06-17T14:13:45.424231+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"UMB Financial reports estimated uninsured deposit ratio of ~45% as of Mar 23","bullets":["Estimated uninsured deposit ratio ~45% after adjusting for collateralized and affiliate deposits.","Data based on UMB Bank's 12/31/22 Call Report and Form 10-K; average balances from 4Q'22.","Disclosure comes amid heightened market focus on deposit stability following recent bank failures.","Company updates deposit diversity and characteristics in investor presentation (Exhibit 99.1)."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-23-004344","json":"https://secwatch.observer/filing/0001564590-23-004344.json","markdown":"https://secwatch.observer/filing/0001564590-23-004344.md","text":"https://secwatch.observer/filing/0001564590-23-004344.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/101382/000156459023004344/0001564590-23-004344-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/101382/000156459023004344/umbf-8k_20230327.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T14:13:45.424231+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}