UMB Financial (UMBF) Chief Credit Officer logs tax-withholding stock disposition

Rhea-AI Filing Summary

UMB Financial Corp Chief Credit Officer Terry Thomas S reported a Form 4 transaction involving company common stock. On February 9, 2026, he had a tax-withholding disposition of 145 shares of Common Stock at $134.29 per share, used to satisfy tax obligations tied to equity compensation.

After this transaction, he directly beneficially owned 36,516.3105 shares of Common Stock and indirectly beneficially owned 5,087.897 shares of Common Stock through an ESOP. Footnotes indicate these balances reflect dividends earned on vested restricted stock units and ESOP allocations and dispositions since his last ownership report.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Terry Thomas S

Role Chief Credit Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	145	$134.29	$19K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 36,516.311 shares (Direct); Common Stock — 5,087.897 shares (Indirect, By ESOP)

Footnotes (1)

1. Reflects dividends earned upon vesting of the underlying restricted stock unit. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Terry Thomas S

(Last) (First) (Middle)

1010 GRAND BLVD.

(Street)

KANSAS CITY MO 64106

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
UMB FINANCIAL CORP [ UMBF ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Credit Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/09/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/09/2026		F		145	D	$134.29	36,516.3105(1)	D
Common Stock								5,087.897(2)	I	By ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects dividends earned upon vesting of the underlying restricted stock unit.

2. Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

	/s/ Megan L. Mercer, Attorney-in-Fact for Mr. Terry	02/11/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did UMBF Chief Credit Officer Terry Thomas S report?

He reported a tax-withholding disposition of 145 shares of UMB Financial Corp common stock. The transaction occurred on February 9, 2026, at a price of $134.29 per share, settling tax obligations related to equity compensation awards.

Was the UMBF Form 4 transaction an open-market sale of shares?

No, the Form 4 shows a tax-withholding disposition coded as “F,” not an open-market sale. The 145 shares were used to pay exercise price or tax liability associated with the officer’s equity-based compensation.

How many UMBF shares does Terry Thomas S own after the reported Form 4?

Following the transaction, he directly beneficially owned 36,516.3105 UMB Financial Corp common shares. He also indirectly beneficially owned 5,087.897 additional common shares through an employee stock ownership plan (ESOP).

What do the Form 4 footnotes for UMBF’s Terry Thomas S explain?

One footnote states the holdings reflect dividends earned when underlying restricted stock units vested. Another explains the ESOP balance reflects allocations and dispositions since the reporting person’s prior ownership report, updating the indirect share count.

What role does Terry Thomas S hold at UMB Financial Corp (UMBF)?

He serves as an officer of UMB Financial Corp with the title of Chief Credit Officer. The Form 4 identifies him in this capacity, confirming the reported equity transactions relate to his position as a senior executive of the company.

How is the ESOP ownership of UMBF shares reported for Terry Thomas S?

The filing reports 5,087.897 common shares as indirectly owned “By ESOP.” This indicates the shares are held for his benefit through an employee stock ownership plan, separate from his directly held UMB Financial Corp shares.