---
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"
generated_at: "2026-06-17T06:44:29.859646+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# UMBF reports preliminary Q1 deposits $32.0B, up $1B since SVB failure; avg deposits up

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-23-005223
- JSON: https://secwatch.observer/filing/0001564590-23-005223.json
- Plain text: https://secwatch.observer/filing/0001564590-23-005223.txt

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