---
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"
generated_at: "2026-06-17T14:13:45.424231+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# UMB Financial reports estimated uninsured deposit ratio of ~45% as of Mar 23

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-23-004344
- JSON: https://secwatch.observer/filing/0001564590-23-004344.json
- Plain text: https://secwatch.observer/filing/0001564590-23-004344.txt

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