{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-23-005223","form_type":"8-K","ticker":"UMBF","cik":"0000101382","company_name":"UMB FINANCIAL CORP","filed_at":"2023-04-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.595670+00:00","generated_at":"2026-06-17T06:44:29.859646+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"UMBF reports preliminary Q1 deposits $32.0B, up $1B since SVB failure; avg deposits up","bullets":["End-of-period deposits ~$32.0B at March 31, 2023, up >$1B from March 9 (pre-SVB failure); Dec 31 was $32.6B.","Average deposits $31.6B in Q1 vs $31.4B in Q4; average demand deposits $11.9B (~38% of avg deposits).","Estimated uninsured deposits $21.5B (67% of total); adjusted ratio excluding affiliate/collateralized is ~44%.","End-of-period loans up ~$800M since year-end; avg loans $21.3B in Q1 vs $20.3B in Q4.","Loan-to-deposit ratio ~68% on end-of-period balances; full Q1 results due April 25, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-23-005223","json":"https://secwatch.observer/filing/0001564590-23-005223.json","markdown":"https://secwatch.observer/filing/0001564590-23-005223.md","text":"https://secwatch.observer/filing/0001564590-23-005223.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/101382/000156459023005223/0001564590-23-005223-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/101382/000156459023005223/umbf-8k_20230403.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T06:44:29.859646+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"}