false Q1 0000101382 --12-31 0000101382 2021-01-01 2021-03-31 xbrli:shares 0000101382 2021-04-23 iso4217:USD 0000101382 2021-03-31 0000101382 2020-12-31 iso4217:USD xbrli:shares 0000101382 2020-01-01 2020-03-31 0000101382 us-gaap:CommonStockMember 2019-12-31 0000101382 us-gaap:AdditionalPaidInCapitalMember 2019-12-31 0000101382 us-gaap:RetainedEarningsMember 2019-12-31 0000101382 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2019-12-31 0000101382 us-gaap:TreasuryStockMember 2019-12-31 0000101382 2019-12-31 0000101382 us-gaap:RetainedEarningsMember srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember 2019-12-31 0000101382 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember 2019-12-31 0000101382 us-gaap:CommonStockMember srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2019-12-31 0000101382 us-gaap:AdditionalPaidInCapitalMember srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2019-12-31 0000101382 us-gaap:RetainedEarningsMember srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2019-12-31 0000101382 us-gaap:AccumulatedOtherComprehensiveIncomeMember srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2019-12-31 0000101382 us-gaap:TreasuryStockMember srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2019-12-31 0000101382 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2019-12-31 0000101382 us-gaap:RetainedEarningsMember 2020-01-01 2020-03-31 0000101382 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2020-01-01 2020-03-31 0000101382 us-gaap:AdditionalPaidInCapitalMember 2020-01-01 2020-03-31 0000101382 us-gaap:TreasuryStockMember 2020-01-01 2020-03-31 0000101382 us-gaap:CommonStockMember 2020-03-31 0000101382 us-gaap:AdditionalPaidInCapitalMember 2020-03-31 0000101382 us-gaap:RetainedEarningsMember 2020-03-31 0000101382 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2020-03-31 0000101382 us-gaap:TreasuryStockMember 2020-03-31 0000101382 2020-03-31 0000101382 us-gaap:CommonStockMember 2020-12-31 0000101382 us-gaap:AdditionalPaidInCapitalMember 2020-12-31 0000101382 us-gaap:RetainedEarningsMember 2020-12-31 0000101382 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2020-12-31 0000101382 us-gaap:TreasuryStockMember 2020-12-31 0000101382 us-gaap:RetainedEarningsMember 2021-01-01 2021-03-31 0000101382 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2021-01-01 2021-03-31 0000101382 us-gaap:TreasuryStockMember 2021-01-01 2021-03-31 0000101382 us-gaap:AdditionalPaidInCapitalMember 2021-01-01 2021-03-31 0000101382 us-gaap:CommonStockMember 2021-03-31 0000101382 us-gaap:AdditionalPaidInCapitalMember 2021-03-31 0000101382 us-gaap:RetainedEarningsMember 2021-03-31 0000101382 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2021-03-31 0000101382 us-gaap:TreasuryStockMember 2021-03-31 0000101382 us-gaap:AvailableforsaleSecuritiesMember 2021-01-01 2021-03-31 0000101382 us-gaap:HeldtomaturitySecuritiesMember 2021-01-01 2021-03-31 0000101382 us-gaap:RepurchaseAgreementsMember 2021-01-01 2021-03-31 0000101382 us-gaap:AccountingStandardsUpdate201613Member srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2021-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2021-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2021-03-31 0000101382 umbf:CreditCardsPortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2021-03-31 0000101382 umbf:FinancingReceivables30To89DaysPastDueMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-03-31 0000101382 umbf:CreditCardsPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-03-31 0000101382 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember 2021-03-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember 2021-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember 2021-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember 2021-03-31 0000101382 umbf:CreditCardsPortfolioSegmentMember 2021-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2020-12-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2020-12-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2020-12-31 0000101382 umbf:CreditCardsPortfolioSegmentMember umbf:FinancingReceivables30To89DaysPastDueMember 2020-12-31 0000101382 umbf:FinancingReceivables30To89DaysPastDueMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0000101382 umbf:CreditCardsPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0000101382 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember 2020-12-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember 2020-12-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember 2020-12-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember 2020-12-31 0000101382 umbf:CreditCardsPortfolioSegmentMember 2020-12-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember 2020-12-31 0000101382 umbf:ConsumerRealEstateLoanClassMember 2021-01-01 2021-03-31 0000101382 umbf:ConsumerRealEstateLoanClassMember 2020-01-01 2020-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember 2021-03-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember umbf:AssetBasedLoansMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFivePlusMultiFamilyMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember 2021-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateHelocMember 2021-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateFirstLienOneToFourFamilyMember 2021-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateJuniorLienOneToFourFamilyMember 2021-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherAutoMember 2021-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherMember 2021-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingReceivableMember 2021-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingLeasesMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:OverdraftsMember 2021-03-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember umbf:FactoringLoansMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOneToFourMultiFamilyConstructionMember 2021-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherRevolvingLineMember 2021-03-31 0000101382 umbf:CreditCardsPortfolioSegmentMember umbf:ConsumerCreditCardMember 2021-03-31 0000101382 umbf:CreditCardsPortfolioSegmentMember umbf:CommercialCreditCardMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember 2020-12-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember umbf:AssetBasedLoansMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFivePlusMultiFamilyMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOneToFourMultiFamilyConstructionMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember 2020-12-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateHelocMember 2020-12-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateFirstLienOneToFourFamilyMember 2020-12-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateJuniorLienOneToFourFamilyMember 2020-12-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherAutoMember 2020-12-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherMember 2020-12-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingReceivableMember 2020-12-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingLeasesMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:OverdraftsMember 2020-12-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember umbf:FactoringLoansMember 2020-12-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherRevolvingLineMember 2020-12-31 0000101382 umbf:CreditCardsPortfolioSegmentMember umbf:ConsumerCreditCardMember 2020-12-31 0000101382 umbf:CreditCardsPortfolioSegmentMember umbf:CommercialCreditCardMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember umbf:NonWatchListPassMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember umbf:WatchPassMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember us-gaap:SpecialMentionMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember us-gaap:SubstandardMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember umbf:NonWatchListPassMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember umbf:WatchPassMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember us-gaap:DoubtfulMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember us-gaap:SpecialMentionMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember us-gaap:SubstandardMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember umbf:NonWatchListPassMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember umbf:WatchPassMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember us-gaap:SpecialMentionMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember us-gaap:SubstandardMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember us-gaap:DoubtfulMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember umbf:NonWatchListPassMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember umbf:WatchPassMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember us-gaap:SpecialMentionMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember us-gaap:SubstandardMember 2020-12-31 0000101382 umbf:IndividuallyEvaluatedLoansAndCollateralDependentAssetsMember 2021-01-01 2021-03-31 0000101382 umbf:IndividuallyEvaluatedLoansAndCollateralDependentAssetsMember 2020-01-01 2020-12-31 0000101382 umbf:AssetBasedLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:InMarginMember 2021-03-31 0000101382 umbf:AssetBasedLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:OutOfMarginMember 2021-03-31 0000101382 umbf:AssetBasedLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:InMarginMember 2020-12-31 0000101382 umbf:AssetBasedLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:OutOfMarginMember 2020-12-31 0000101382 umbf:FactoringLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:TierOneMember 2021-03-31 0000101382 umbf:FactoringLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:TierTwoMember 2021-03-31 0000101382 umbf:FactoringLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:IndividuallyEvaluatedMember 2021-03-31 0000101382 umbf:FactoringLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:CollateralDependentAssetsMember 2021-03-31 0000101382 umbf:FactoringLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:TierOneMember 2020-12-31 0000101382 umbf:FactoringLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:TierTwoMember 2020-12-31 0000101382 umbf:FactoringLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:IndividuallyEvaluatedMember 2020-12-31 0000101382 umbf:FactoringLoansMember umbf:SpecialityLendingPortfolioSegmentMember umbf:CollateralDependentAssetsMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember umbf:NonWatchListPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember us-gaap:SpecialMentionMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember us-gaap:SubstandardMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember umbf:NonWatchListPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember umbf:WatchPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember umbf:NonWatchListPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember umbf:WatchPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember us-gaap:SubstandardMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFivePlusMultiFamilyMember umbf:NonWatchListPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember umbf:NonWatchListPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember umbf:WatchPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember us-gaap:SpecialMentionMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember us-gaap:SubstandardMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember us-gaap:SpecialMentionMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFivePlusMultiFamilyMember umbf:WatchPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFivePlusMultiFamilyMember us-gaap:SubstandardMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember us-gaap:DoubtfulMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOneToFourMultiFamilyConstructionMember umbf:NonWatchListPassMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember us-gaap:SubstandardMember 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember umbf:NonWatchListPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember umbf:WatchPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember us-gaap:SpecialMentionMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember us-gaap:SubstandardMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember umbf:NonWatchListPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember umbf:WatchPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember us-gaap:SpecialMentionMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember umbf:NonWatchListPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember umbf:WatchPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember us-gaap:SubstandardMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFivePlusMultiFamilyMember umbf:NonWatchListPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOneToFourMultiFamilyConstructionMember umbf:NonWatchListPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember umbf:NonWatchListPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateNonOwnerOccupiedMember us-gaap:SubstandardMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFivePlusMultiFamilyMember us-gaap:SpecialMentionMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember us-gaap:DoubtfulMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember us-gaap:SpecialMentionMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFivePlusMultiFamilyMember umbf:WatchPassMember 2020-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember us-gaap:SubstandardMember 2020-12-31 0000101382 us-gaap:PerformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateHelocMember 2021-03-31 0000101382 us-gaap:PerformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateFirstLienOneToFourFamilyMember 2021-03-31 0000101382 us-gaap:PerformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateJuniorLienOneToFourFamilyMember 2021-03-31 0000101382 us-gaap:NonperformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateHelocMember 2021-03-31 0000101382 us-gaap:NonperformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateFirstLienOneToFourFamilyMember 2021-03-31 0000101382 us-gaap:NonperformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateJuniorLienOneToFourFamilyMember 2021-03-31 0000101382 us-gaap:PerformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateHelocMember 2020-12-31 0000101382 us-gaap:PerformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateFirstLienOneToFourFamilyMember 2020-12-31 0000101382 us-gaap:PerformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateJuniorLienOneToFourFamilyMember 2020-12-31 0000101382 us-gaap:NonperformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateHelocMember 2020-12-31 0000101382 us-gaap:NonperformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateFirstLienOneToFourFamilyMember 2020-12-31 0000101382 us-gaap:NonperformingFinancingReceivableMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateJuniorLienOneToFourFamilyMember 2020-12-31 0000101382 us-gaap:PerformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherAutoMember 2021-03-31 0000101382 us-gaap:PerformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherMember 2021-03-31 0000101382 us-gaap:NonperformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherAutoMember 2021-03-31 0000101382 us-gaap:NonperformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherMember 2021-03-31 0000101382 us-gaap:PerformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherRevolvingLineMember 2021-03-31 0000101382 us-gaap:PerformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherAutoMember 2020-12-31 0000101382 us-gaap:NonperformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherAutoMember 2020-12-31 0000101382 us-gaap:PerformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherMember 2020-12-31 0000101382 us-gaap:NonperformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherMember 2020-12-31 0000101382 us-gaap:PerformingFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherRevolvingLineMember 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:TransactorAccountsMember 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScoreLessThan600Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore600To619Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore620To639Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore640To659Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore660To679Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore680To699Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore700To719Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore720To739Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore740To759Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore760To779Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore780To799Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore800To819Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore820To839Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScoreGreaterThan840Member 2021-03-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:TransactorAccountsMember 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScoreLessThan600Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore600To619Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore620To639Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore640To659Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore660To679Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore680To699Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore700To719Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore720To739Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore740To759Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore760To779Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore780To799Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore800To819Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScore820To839Member 2020-12-31 0000101382 umbf:ConsumerCreditCardMember umbf:CreditCardsPortfolioSegmentMember umbf:RevolverAccountsMember umbf:FicoScoreGreaterThan840Member 2020-12-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingLeasesMember umbf:NonWatchListPassMember 2021-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingLeasesMember umbf:NonWatchListPassMember 2020-12-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingReceivableMember umbf:NonWatchListPassMember 2021-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingReceivableMember umbf:WatchPassMember 2021-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingReceivableMember us-gaap:SubstandardMember 2021-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingReceivableMember umbf:NonWatchListPassMember 2020-12-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingReceivableMember umbf:WatchPassMember 2020-12-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember umbf:OtherFinancingReceivableMember us-gaap:SubstandardMember 2020-12-31 0000101382 srt:MinimumMember 2021-01-01 2021-03-31 0000101382 srt:MaximumMember 2021-01-01 2021-03-31 0000101382 umbf:LoansPortfolioSegmentMember 2020-12-31 0000101382 umbf:HeldToMaturityPortfolioSegmentMember 2020-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember 2021-01-01 2021-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember 2021-01-01 2021-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember 2021-01-01 2021-03-31 0000101382 umbf:CreditCardsPortfolioSegmentMember 2021-01-01 2021-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember 2021-01-01 2021-03-31 0000101382 umbf:LoansPortfolioSegmentMember 2021-01-01 2021-03-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember 2021-01-01 2021-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember 2021-01-01 2021-03-31 0000101382 umbf:HeldToMaturityPortfolioSegmentMember 2021-01-01 2021-03-31 0000101382 umbf:LoansPortfolioSegmentMember 2021-03-31 0000101382 umbf:HeldToMaturityPortfolioSegmentMember 2021-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember 2019-12-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember 2019-12-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember 2019-12-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember 2019-12-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember 2019-12-31 0000101382 umbf:CreditCardsPortfolioSegmentMember 2019-12-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember 2019-12-31 0000101382 umbf:LoansPortfolioSegmentMember 2019-12-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 umbf:CreditCardsPortfolioSegmentMember us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 umbf:LoansPortfolioSegmentMember us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 umbf:HeldToMaturityPortfolioSegmentMember us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 us-gaap:AccountingStandardsUpdate201613Member 2020-01-01 2020-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember 2020-01-01 2020-03-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember 2020-01-01 2020-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember 2020-01-01 2020-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember 2020-01-01 2020-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember 2020-01-01 2020-03-31 0000101382 umbf:CreditCardsPortfolioSegmentMember 2020-01-01 2020-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember 2020-01-01 2020-03-31 0000101382 umbf:LoansPortfolioSegmentMember 2020-01-01 2020-03-31 0000101382 umbf:HeldToMaturityPortfolioSegmentMember 2020-01-01 2020-03-31 0000101382 umbf:CommercialAndIndustrialPortfolioSegmentMember 2020-03-31 0000101382 umbf:SpecialityLendingPortfolioSegmentMember 2020-03-31 0000101382 us-gaap:CommercialRealEstatePortfolioSegmentMember 2020-03-31 0000101382 umbf:ConsumerRealEstatePortfolioSegmentMember 2020-03-31 0000101382 us-gaap:ConsumerPortfolioSegmentMember 2020-03-31 0000101382 umbf:CreditCardsPortfolioSegmentMember 2020-03-31 0000101382 umbf:LeasesAndOtherPortfolioSegmentMember 2020-03-31 0000101382 umbf:LoansPortfolioSegmentMember 2020-03-31 0000101382 umbf:HeldToMaturityPortfolioSegmentMember 2020-03-31 0000101382 umbf:HeldToMaturityPortfolioSegmentMember 2019-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:CommercialAndIndustrialPortfolioSegmentMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:SpecialityLendingPortfolioSegmentMember umbf:AssetBasedLoansMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:SpecialityLendingPortfolioSegmentMember umbf:FactoringLoansMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:SpecialityLendingPortfolioSegmentMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateHelocMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateFirstLienOneToFourFamilyMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateJuniorLienOneToFourFamilyMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:ConsumerRealEstatePortfolioSegmentMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherAutoMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:ConsumerPortfolioSegmentMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember 2021-03-31 0000101382 us-gaap:CollateralPledgedMember umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:EquipmentAccountsReceivableInventoryMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:CommercialAndIndustrialPortfolioSegmentMember umbf:AgricultureLoansMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:CommercialAndIndustrialPortfolioSegmentMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:SpecialityLendingPortfolioSegmentMember umbf:AssetBasedLoansMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:SpecialityLendingPortfolioSegmentMember umbf:FactoringLoansMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:SpecialityLendingPortfolioSegmentMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateOwnerOccupiedMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateFarmlandMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:CommercialRealEstatePortfolioSegmentMember umbf:CommercialRealEstateGeneralConstructionMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateHelocMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateFirstLienOneToFourFamilyMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:ConsumerRealEstatePortfolioSegmentMember umbf:RealEstateJuniorLienOneToFourFamilyMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember umbf:ConsumerRealEstatePortfolioSegmentMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherAutoMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:ConsumerPortfolioSegmentMember umbf:ConsumerOtherMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember us-gaap:ConsumerPortfolioSegmentMember 2020-12-31 0000101382 us-gaap:CollateralPledgedMember 2020-12-31 xbrli:pure 0000101382 us-gaap:USTreasurySecuritiesMember 2021-03-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2021-03-31 0000101382 us-gaap:MortgageBackedSecuritiesMember 2021-03-31 0000101382 us-gaap:USStatesAndPoliticalSubdivisionsMember 2021-03-31 0000101382 us-gaap:CorporateDebtSecuritiesMember 2021-03-31 0000101382 us-gaap:USTreasurySecuritiesMember 2020-12-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2020-12-31 0000101382 us-gaap:MortgageBackedSecuritiesMember 2020-12-31 0000101382 us-gaap:USStatesAndPoliticalSubdivisionsMember 2020-12-31 0000101382 us-gaap:CorporateDebtSecuritiesMember 2020-12-31 0000101382 umbf:UsGovernmentAndOtherPublicDepositMember us-gaap:CollateralPledgedMember 2021-03-31 0000101382 umbf:UsGovernmentAndOtherPublicDepositMember us-gaap:CollateralPledgedMember 2020-12-31 0000101382 umbf:FederalReserveDiscountWindowMember us-gaap:CollateralPledgedMember 2021-03-31 0000101382 umbf:FederalReserveDiscountWindowMember us-gaap:CollateralPledgedMember 2020-12-31 umbf:Security 0000101382 srt:MoodysA1RatingMember umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2021-03-31 0000101382 srt:MoodysB3RatingMember umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2021-03-31 0000101382 srt:MoodysB2RatingMember umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2021-03-31 0000101382 srt:MoodysCRatingMember umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2021-03-31 0000101382 umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2021-03-31 0000101382 srt:MoodysA1RatingMember umbf:USStatesAndPoliticalSubdivisionsUtilitiesMember 2021-03-31 0000101382 srt:MoodysB3RatingMember umbf:USStatesAndPoliticalSubdivisionsUtilitiesMember 2021-03-31 0000101382 umbf:USStatesAndPoliticalSubdivisionsUtilitiesMember 2021-03-31 0000101382 srt:MoodysA1RatingMember 2021-03-31 0000101382 srt:MoodysB3RatingMember 2021-03-31 0000101382 srt:MoodysB2RatingMember 2021-03-31 0000101382 srt:MoodysCRatingMember 2021-03-31 0000101382 srt:MoodysA1RatingMember umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2020-12-31 0000101382 srt:MoodysB3RatingMember umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2020-12-31 0000101382 srt:MoodysB2RatingMember umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2020-12-31 0000101382 srt:MoodysCRatingMember umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2020-12-31 0000101382 umbf:USStatesAndPoliticalSubdivisionsCompetitiveMember 2020-12-31 0000101382 srt:MoodysA1RatingMember umbf:USStatesAndPoliticalSubdivisionsUtilitiesMember 2020-12-31 0000101382 srt:MoodysB3RatingMember umbf:USStatesAndPoliticalSubdivisionsUtilitiesMember 2020-12-31 0000101382 umbf:USStatesAndPoliticalSubdivisionsUtilitiesMember 2020-12-31 0000101382 srt:MoodysA1RatingMember 2020-12-31 0000101382 srt:MoodysB3RatingMember 2020-12-31 0000101382 srt:MoodysB2RatingMember 2020-12-31 0000101382 srt:MoodysCRatingMember 2020-12-31 0000101382 umbf:FederalReserveBankAndFederalHomeLoanBankStockMember 2021-03-31 0000101382 umbf:FederalReserveBankAndFederalHomeLoanBankStockMember 2020-12-31 0000101382 umbf:EquitySecuritiesWithReadilyDeterminableFairValuesMember 2021-03-31 0000101382 umbf:EquitySecuritiesWithReadilyDeterminableFairValuesMember 2020-12-31 0000101382 umbf:EquitySecuritiesWithoutReadilyDeterminableFairValuesMember 2021-03-31 0000101382 umbf:EquitySecuritiesWithoutReadilyDeterminableFairValuesMember 2020-12-31 0000101382 umbf:CommercialBankingMember 2020-12-31 0000101382 umbf:InstitutionalBankingMember 2020-12-31 0000101382 umbf:PersonalBankingMember 2020-12-31 0000101382 umbf:PersonalBankingMember 2021-01-01 2021-03-31 0000101382 umbf:CommercialBankingMember 2021-03-31 0000101382 umbf:InstitutionalBankingMember 2021-03-31 0000101382 umbf:PersonalBankingMember 2021-03-31 0000101382 umbf:CommercialBankingMember 2019-12-31 0000101382 umbf:InstitutionalBankingMember 2019-12-31 0000101382 umbf:PersonalBankingMember 2019-12-31 0000101382 us-gaap:CoreDepositsMember 2021-03-31 0000101382 us-gaap:CustomerRelationshipsMember 2021-03-31 0000101382 us-gaap:CoreDepositsMember 2020-12-31 0000101382 us-gaap:CustomerRelationshipsMember 2020-12-31 0000101382 us-gaap:USTreasurySecuritiesMember us-gaap:MaturityOvernightMember 2021-03-31 0000101382 us-gaap:USTreasurySecuritiesMember 2021-03-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:MaturityOvernightMember 2021-03-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:Maturity30To90DaysMember 2021-03-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:MaturityOver90DaysMember 2021-03-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2021-03-31 0000101382 us-gaap:MaturityOvernightMember 2021-03-31 0000101382 us-gaap:Maturity30To90DaysMember 2021-03-31 0000101382 us-gaap:MaturityOver90DaysMember 2021-03-31 0000101382 us-gaap:USTreasurySecuritiesMember us-gaap:MaturityOvernightMember 2020-12-31 0000101382 us-gaap:USTreasurySecuritiesMember 2020-12-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:MaturityOvernightMember 2020-12-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:Maturity30To90DaysMember 2020-12-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:MaturityOver90DaysMember 2020-12-31 0000101382 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2020-12-31 0000101382 us-gaap:MaturityOvernightMember 2020-12-31 0000101382 us-gaap:Maturity30To90DaysMember 2020-12-31 0000101382 us-gaap:MaturityOver90DaysMember 2020-12-31 umbf:Segment 0000101382 umbf:CommercialBankingMember 2021-01-01 2021-03-31 0000101382 umbf:InstitutionalBankingMember 2021-01-01 2021-03-31 0000101382 umbf:CommercialBankingMember 2020-01-01 2020-03-31 0000101382 umbf:InstitutionalBankingMember 2020-01-01 2020-03-31 0000101382 umbf:PersonalBankingMember 2020-01-01 2020-03-31 0000101382 umbf:BankcardFeesMember us-gaap:AccountingStandardsUpdate201409Member 2021-01-01 2021-03-31 0000101382 umbf:BankcardFeesMember us-gaap:AccountingStandardsUpdate201409Member 2020-01-01 2020-03-31 0000101382 us-gaap:AccountingStandardsUpdate201409Member 2021-03-31 0000101382 us-gaap:AccountingStandardsUpdate201409Member 2020-12-31 0000101382 umbf:InstitutionalBankingMember us-gaap:FiduciaryAndTrustMember 2021-01-01 2021-03-31 0000101382 umbf:PersonalBankingMember us-gaap:FiduciaryAndTrustMember 2021-01-01 2021-03-31 0000101382 umbf:InstitutionalBankingMember umbf:TradingAndInvestmentBankingMember 2021-01-01 2021-03-31 0000101382 umbf:CommercialBankingMember us-gaap:DepositAccountMember 2021-01-01 2021-03-31 0000101382 umbf:InstitutionalBankingMember us-gaap:DepositAccountMember 2021-01-01 2021-03-31 0000101382 umbf:PersonalBankingMember us-gaap:DepositAccountMember 2021-01-01 2021-03-31 0000101382 umbf:PersonalBankingMember umbf:InsuranceFeesAndCommissionsMember 2021-01-01 2021-03-31 0000101382 umbf:CommercialBankingMember umbf:BrokerageFeesMember 2021-01-01 2021-03-31 0000101382 umbf:InstitutionalBankingMember umbf:BrokerageFeesMember 2021-01-01 2021-03-31 0000101382 umbf:PersonalBankingMember umbf:BrokerageFeesMember 2021-01-01 2021-03-31 0000101382 umbf:CommercialBankingMember us-gaap:CreditCardMember 2021-01-01 2021-03-31 0000101382 umbf:InstitutionalBankingMember us-gaap:CreditCardMember 2021-01-01 2021-03-31 0000101382 umbf:PersonalBankingMember us-gaap:CreditCardMember 2021-01-01 2021-03-31 0000101382 umbf:CommercialBankingMember umbf:OtherFinancialServicesMember 2021-01-01 2021-03-31 0000101382 umbf:InstitutionalBankingMember umbf:OtherFinancialServicesMember 2021-01-01 2021-03-31 0000101382 umbf:PersonalBankingMember umbf:OtherFinancialServicesMember 2021-01-01 2021-03-31 0000101382 umbf:TradingAndInvestmentBankingMember 2021-01-01 2021-03-31 0000101382 us-gaap:DepositAccountMember 2021-01-01 2021-03-31 0000101382 us-gaap:CreditCardMember 2021-01-01 2021-03-31 0000101382 umbf:InvestmentSecuritiesGainsLossesMember 2021-01-01 2021-03-31 0000101382 umbf:OtherFinancialServicesMember 2021-01-01 2021-03-31 0000101382 us-gaap:FiduciaryAndTrustMember 2021-01-01 2021-03-31 0000101382 umbf:InsuranceFeesAndCommissionsMember 2021-01-01 2021-03-31 0000101382 umbf:BrokerageFeesMember 2021-01-01 2021-03-31 0000101382 umbf:InstitutionalBankingMember us-gaap:FiduciaryAndTrustMember 2020-01-01 2020-03-31 0000101382 umbf:PersonalBankingMember us-gaap:FiduciaryAndTrustMember 2020-01-01 2020-03-31 0000101382 umbf:InstitutionalBankingMember umbf:TradingAndInvestmentBankingMember 2020-01-01 2020-03-31 0000101382 umbf:CommercialBankingMember us-gaap:DepositAccountMember 2020-01-01 2020-03-31 0000101382 umbf:InstitutionalBankingMember us-gaap:DepositAccountMember 2020-01-01 2020-03-31 0000101382 umbf:PersonalBankingMember us-gaap:DepositAccountMember 2020-01-01 2020-03-31 0000101382 umbf:PersonalBankingMember umbf:InsuranceFeesAndCommissionsMember 2020-01-01 2020-03-31 0000101382 umbf:CommercialBankingMember umbf:BrokerageFeesMember 2020-01-01 2020-03-31 0000101382 umbf:InstitutionalBankingMember umbf:BrokerageFeesMember 2020-01-01 2020-03-31 0000101382 umbf:PersonalBankingMember umbf:BrokerageFeesMember 2020-01-01 2020-03-31 0000101382 umbf:CommercialBankingMember us-gaap:CreditCardMember 2020-01-01 2020-03-31 0000101382 umbf:InstitutionalBankingMember us-gaap:CreditCardMember 2020-01-01 2020-03-31 0000101382 umbf:PersonalBankingMember us-gaap:CreditCardMember 2020-01-01 2020-03-31 0000101382 umbf:CommercialBankingMember umbf:OtherFinancialServicesMember 2020-01-01 2020-03-31 0000101382 umbf:InstitutionalBankingMember umbf:OtherFinancialServicesMember 2020-01-01 2020-03-31 0000101382 umbf:PersonalBankingMember umbf:OtherFinancialServicesMember 2020-01-01 2020-03-31 0000101382 umbf:TradingAndInvestmentBankingMember 2020-01-01 2020-03-31 0000101382 us-gaap:DepositAccountMember 2020-01-01 2020-03-31 0000101382 us-gaap:CreditCardMember 2020-01-01 2020-03-31 0000101382 umbf:InvestmentSecuritiesGainsLossesMember 2020-01-01 2020-03-31 0000101382 umbf:OtherFinancialServicesMember 2020-01-01 2020-03-31 0000101382 us-gaap:FiduciaryAndTrustMember 2020-01-01 2020-03-31 0000101382 umbf:InsuranceFeesAndCommissionsMember 2020-01-01 2020-03-31 0000101382 umbf:BrokerageFeesMember 2020-01-01 2020-03-31 0000101382 umbf:CommitmentsToExtendCreditForLoansExcludingCreditCardLoansMember 2021-03-31 0000101382 umbf:CommitmentsToExtendCreditForLoansExcludingCreditCardLoansMember 2020-12-31 0000101382 umbf:CommitmentsToExtendCreditUnderCreditCardLoansMember 2021-03-31 0000101382 umbf:CommitmentsToExtendCreditUnderCreditCardLoansMember 2020-12-31 0000101382 umbf:CommercialLettersOfCreditMember 2021-03-31 0000101382 umbf:CommercialLettersOfCreditMember 2020-12-31 0000101382 us-gaap:StandbyLettersOfCreditMember 2021-03-31 0000101382 us-gaap:StandbyLettersOfCreditMember 2020-12-31 0000101382 us-gaap:ForwardContractsMember 2021-03-31 0000101382 us-gaap:ForwardContractsMember 2020-12-31 0000101382 umbf:SpotForeignExchangeContractsMember 2021-03-31 0000101382 umbf:SpotForeignExchangeContractsMember 2020-12-31 0000101382 umbf:AccruedExpensesAndTaxesMember 2021-03-31 0000101382 umbf:AccruedExpensesAndTaxesMember 2020-12-31 0000101382 us-gaap:NondesignatedMember 2021-03-31 0000101382 us-gaap:DesignatedAsHedgingInstrumentMember 2021-03-31 0000101382 us-gaap:NondesignatedMember 2020-12-31 0000101382 us-gaap:DesignatedAsHedgingInstrumentMember 2020-12-31 0000101382 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2021-03-31 0000101382 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2020-12-31 umbf:Derivative 0000101382 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2021-03-31 0000101382 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2020-12-31 0000101382 us-gaap:InterestRateSwapMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember us-gaap:InterestExpenseMember 2021-03-31 0000101382 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2021-01-01 2021-03-31 0000101382 us-gaap:InterestRateFloorMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2020-08-28 0000101382 us-gaap:InterestRateFloorMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember us-gaap:InterestIncomeMember 2021-03-31 0000101382 us-gaap:InterestRateFloorMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2021-01-01 2021-03-31 0000101382 us-gaap:InterestRateFloorMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2020-01-01 2020-12-31 0000101382 us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2021-03-31 0000101382 us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2020-12-31 0000101382 us-gaap:NondesignatedMember us-gaap:InterestRateSwapMember 2021-01-01 2021-03-31 0000101382 us-gaap:DesignatedAsHedgingInstrumentMember umbf:FairValueDerivativesMember us-gaap:InterestRateSwapMember 2021-01-01 2021-03-31 0000101382 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember us-gaap:InterestRateSwapMember 2021-01-01 2021-03-31 0000101382 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateSwapMember 2021-01-01 2021-03-31 0000101382 us-gaap:NondesignatedMember us-gaap:InterestRateSwapMember 2020-01-01 2020-03-31 0000101382 us-gaap:DesignatedAsHedgingInstrumentMember umbf:FairValueDerivativesMember us-gaap:InterestRateSwapMember 2020-01-01 2020-03-31 0000101382 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember us-gaap:InterestRateSwapMember 2020-01-01 2020-03-31 0000101382 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateSwapMember 2020-01-01 2020-03-31 0000101382 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateSwapMember 2021-01-01 2021-03-31 0000101382 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateFloorMember 2020-01-01 2020-03-31 0000101382 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateSwapMember 2020-01-01 2020-03-31 0000101382 us-gaap:CashFlowHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2020-01-01 2020-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasurySecuritiesMember 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel1Member 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:CorporateDebtSecuritiesMember 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:OtherTradingMember 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:OtherTradingMember us-gaap:FairValueInputsLevel1Member 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2021-03-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasurySecuritiesMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueInputsLevel1Member 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:CorporateDebtSecuritiesMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:OtherTradingMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:OtherTradingMember us-gaap:FairValueInputsLevel1Member 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2020-12-31 0000101382 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2020-12-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember umbf:CollateralDependentAssetsMember 2021-03-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember 2021-03-31 0000101382 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember umbf:CollateralDependentAssetsMember 2021-03-31 0000101382 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2021-03-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember umbf:CollateralDependentAssetsMember 2021-01-01 2021-03-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember 2021-01-01 2021-03-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember umbf:CollateralDependentAssetsMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember umbf:OtherRealEstateOwnedMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember 2020-12-31 0000101382 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember umbf:CollateralDependentAssetsMember 2020-12-31 0000101382 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember umbf:OtherRealEstateOwnedMember 2020-12-31 0000101382 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2020-12-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember umbf:CollateralDependentAssetsMember 2020-01-01 2020-12-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember umbf:OtherRealEstateOwnedMember 2020-01-01 2020-12-31 0000101382 us-gaap:FairValueMeasurementsNonrecurringMember 2020-01-01 2020-12-31 0000101382 us-gaap:FairValueInputsLevel1Member 2021-03-31 0000101382 us-gaap:FairValueInputsLevel2Member 2021-03-31 0000101382 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2021-03-31 0000101382 us-gaap:FairValueInputsLevel1Member 2020-12-31 0000101382 us-gaap:FairValueInputsLevel2Member 2020-12-31 0000101382 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2020-12-31

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

(MARK ONE)

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2021

OR

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from          to         

Commission file number001-38481

 

UMB FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

 

 

Missouri

 

43-0903811

(State or other jurisdiction of
incorporation or organization)

 

(I.R.S. Employer
Identification Number)

 

1010 Grand Boulevard, Kansas City, Missouri

 

64106

(Address of principal executive offices)

 

(Zip Code)

(Registrant's telephone number, including area code): (816) 860-7000

Securities Registered Pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $1.00 Par Value

UMBF

The NASDAQ Global Select Market

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes      No  

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes      No  

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer

 

Accelerated filer

Non- accelerated filer

 

Smaller reporting company

 

 

 

Emerging growth company

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes      No  

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

As of April 23, 2021, UMB Financial Corporation had 48,307,790 shares of common stock outstanding.

 

 

 


 

 

UMB FINANCIAL CORPORATION

FORM 10-Q

INDEX

 

PART I – FINANCIAL INFORMATION

3

 

 

 

ITEM 1.

FINANCIAL STATEMENTS (UNAUDITED)

3

CONSOLIDATED BALANCE SHEETS

3

CONSOLIDATED STATEMENTS OF INCOME

4

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

5

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

6

CONSOLIDATED STATEMENTS OF CASH FLOWS

7

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

9

ITEM 2.

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

54

ITEM 3.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

71

ITEM 4.

CONTROLS AND PROCEDURES

77

 

 

 

PART II - OTHER INFORMATION

78

 

 

 

ITEM 1.

LEGAL PROCEEDINGS

78

ITEM 1A.

RISK FACTORS

78

ITEM 2.

UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

78

ITEM 6.

EXHIBITS

79

SIGNATURES

80

 

 

 

2


 

 

PART I – FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

UMB FINANCIAL CORPORATION

CONSOLIDATED BALANCE SHEETS

(dollars in thousands, except share and per share data)

 

 

 

March 31,

 

 

December 31,

 

 

 

2021

 

 

2020

 

 

 

(unaudited)

 

 

(audited)

 

ASSETS

 

 

 

 

 

 

 

 

Loans

 

$

16,497,385

 

 

$

16,103,651

 

Allowance for credit losses on loans

 

 

(202,814

)

 

 

(215,973

)

Net loans

 

 

16,294,571

 

 

 

15,887,678

 

Loans held for sale

 

 

10,275

 

 

 

6,708

 

Securities:

 

 

 

 

 

 

 

 

Available for sale (amortized cost of $9,552,397 and $8,887,734, respectively)

 

 

9,753,392

 

 

 

9,299,688

 

Held to maturity, net of allowance for credit losses of $2,959 and $2,610, respectively (fair value of $1,012,129 and $1,029,444, respectively)

 

 

1,039,711

 

 

 

1,012,004

 

Trading securities

 

 

29,099

 

 

 

35,020

 

Other securities

 

 

298,209

 

 

 

296,053

 

Total securities

 

 

11,120,411

 

 

 

10,642,765

 

Federal funds sold and securities purchased under agreements to resell

 

 

1,629,813

 

 

 

1,650,335

 

Interest-bearing due from banks

 

 

3,860,763

 

 

 

3,110,042

 

Cash and due from banks

 

 

387,230

 

 

 

430,638

 

Premises and equipment, net

 

 

286,068

 

 

 

293,095

 

Accrued income

 

 

131,533

 

 

 

139,892

 

Goodwill

 

 

174,518

 

 

 

180,867

 

Other intangibles, net

 

 

17,793

 

 

 

21,056

 

Other assets

 

 

756,414

 

 

 

764,428

 

Total assets

 

$

34,669,389

 

 

$

33,127,504

 

 

 

 

 

 

 

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Noninterest-bearing demand

 

$

11,604,415

 

 

$

9,879,970

 

Interest-bearing demand and savings

 

 

16,011,812

 

 

 

16,295,186

 

Time deposits under $250,000

 

 

457,290

 

 

 

477,748

 

Time deposits of $250,000 or more

 

 

207,275

 

 

 

398,347

 

Total deposits

 

 

28,280,792

 

 

 

27,051,251

 

Federal funds purchased and repurchase agreements

 

 

2,759,818

 

 

 

2,315,497

 

Long-term debt

 

 

270,074

 

 

 

269,595

 

Accrued expenses and taxes

 

 

239,001

 

 

 

319,676

 

Other liabilities

 

 

161,465

 

 

 

154,537

 

Total liabilities

 

 

31,711,150

 

 

 

30,110,556

 

 

 

 

 

 

 

 

 

 

SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

Common stock, $1.00 par value; 80,000,000 shares authorized; 55,056,730 shares issued, 48,302,634 and 48,006,386 shares outstanding, respectively

 

 

55,057

 

 

 

55,057

 

Capital surplus

 

 

1,093,667

 

 

 

1,090,450

 

Retained earnings

 

 

1,968,318

 

 

 

1,891,246

 

Accumulated other comprehensive income, net

 

 

169,197

 

 

 

318,340

 

Treasury stock, 6,754,096 and 7,050,344 shares, at cost, respectively

 

 

(328,000

)

 

 

(338,145

)

Total shareholders' equity

 

 

2,958,239

 

 

 

3,016,948

 

Total liabilities and shareholders' equity

 

$

34,669,389

 

 

$

33,127,504

 

 

 See Notes to Consolidated Financial Statements.

3


 

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF INCOME

(unaudited, dollars in thousands, except share and per share data)

 

 

 

Three Months Ended

 

 

 

March 31,

 

 

 

2021

 

 

2020

 

INTEREST INCOME

 

 

 

 

 

 

 

 

Loans

 

$

150,170

 

 

$

151,026

 

Securities:

 

 

 

 

 

 

 

 

Taxable interest

 

 

27,162

 

 

 

27,212

 

Tax-exempt interest

 

 

24,964

 

 

 

24,404

 

Total securities income

 

 

52,126

 

 

 

51,616

 

Federal funds and resell agreements

 

 

2,821

 

 

 

5,452

 

Interest-bearing due from banks

 

 

703

 

 

 

2,663

 

Trading securities

 

 

159

 

 

 

654

 

Total interest income

 

 

205,979

 

 

 

211,411

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

Deposits

 

 

6,798

 

 

 

29,732

 

Federal funds and repurchase agreements

 

 

1,886

 

 

 

6,381

 

Other

 

 

3,180

 

 

 

1,357

 

Total interest expense

 

 

11,864

 

 

 

37,470

 

Net interest income

 

 

194,115

 

 

 

173,941

 

Provision for credit losses

 

 

(7,500

)

 

 

88,000

 

Net interest income after provision for credit losses

 

 

201,615

 

 

 

85,941

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

Trust and securities processing

 

 

54,834

 

 

 

47,000

 

Trading and investment banking

 

 

9,356

 

 

 

1,723

 

Service charges on deposit accounts

 

 

21,976

 

 

 

25,081

 

Insurance fees and commissions

 

 

420

 

 

 

259

 

Brokerage fees

 

 

3,334

 

 

 

9,860

 

Bankcard fees

 

 

14,673

 

 

 

16,545

 

Investment securities (losses) gains, net

 

 

(8,336

)

 

 

3,520

 

Other

 

 

12,640

 

 

 

(5,564

)

Total noninterest income

 

 

108,897

 

 

 

98,424

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

127,681

 

 

 

111,060

 

Occupancy, net

 

 

11,935

 

 

 

12,180

 

Equipment

 

 

19,615

 

 

 

21,241

 

Supplies and services

 

 

3,492

 

 

 

4,185

 

Marketing and business development

 

 

2,345

 

 

 

4,640

 

Processing fees

 

 

15,417

 

 

 

13,390

 

Legal and consulting

 

 

5,755

 

 

 

6,110

 

Bankcard

 

 

4,956

 

 

 

4,860

 

Amortization of other intangible assets

 

 

1,380

 

 

 

1,734

 

Regulatory fees

 

 

2,546

 

 

 

2,366

 

Other

 

 

5,824

 

 

 

6,853

 

Total noninterest expense

 

 

200,946

 

 

 

188,619

 

Income (loss) before income taxes

 

 

109,566

 

 

 

(4,254

)

Income tax expense (benefit)

 

 

16,923

 

 

 

(815

)

NET INCOME (LOSS)

 

$

92,643

 

 

$

(3,439

)

 

 

 

 

 

 

 

 

 

PER SHARE DATA

 

 

 

 

 

 

 

 

Net income (loss) – basic

 

$

1.93

 

 

$

(0.07

)

Net income (loss) – diluted

 

 

1.91

 

 

 

(0.07

)

Dividends

 

 

0.32

 

 

 

0.31

 

Weighted average shares outstanding – basic

 

 

48,096,643

 

 

 

48,689,876

 

Weighted average shares outstanding – diluted

 

 

48,520,752

 

 

 

48,689,876

 

 

See Notes to Consolidated Financial Statements.

4


 

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(unaudited, dollars in thousands)

 

 

 

Three Months Ended

 

 

 

March 31,

 

 

 

2021

 

 

2020

 

Net income (loss)

 

$

92,643

 

 

$

(3,439

)

Other comprehensive (loss) income, before tax:

 

 

 

 

 

 

 

 

Unrealized gains and losses on debt securities:

 

 

 

 

 

 

 

 

Change in unrealized holding gains and losses, net

 

 

(199,038

)

 

 

164,116

 

Less:  Reclassification adjustment for gains included in net income

 

 

(2,720

)

 

 

(1,227

)

Change in unrealized gains and losses on debt securities during the period

 

 

(201,758

)

 

 

162,889

 

Unrealized gains and losses on derivative hedges:

 

 

 

 

 

 

 

 

Change in unrealized gains and losses on derivative hedges

 

 

6,503

 

 

 

14,525

 

Less: Reclassification adjustment for (gains) losses included in net income

 

 

(842

)

 

 

768

 

Change in unrealized gains and losses on derivative hedges

 

 

5,661

 

 

 

15,293

 

Other comprehensive (loss) income, before tax

 

 

(196,097

)

 

 

178,182

 

Income tax benefit (expense)

 

 

46,954

 

 

 

(41,972

)

Other comprehensive (loss) income

 

 

(149,143

)

 

 

136,210

 

Comprehensive (loss) income

 

$

(56,500

)

 

$

132,771

 

 

See Notes to Consolidated Financial Statements.

5


 

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

(unaudited, dollars in thousands, except per share data)

 

 

 

 

Common

Stock

 

 

Capital

Surplus

 

 

Retained

Earnings

 

 

Accumulated Other Comprehensive Income (Loss)

 

 

Treasury

Stock

 

 

Total

 

Balance – January 1, 2020

 

$

55,057

 

 

$

1,073,764

 

 

$

1,672,438

 

 

$

83,180

 

 

$

(277,999

)

 

$

2,606,440

 

Cumulative effect adjustment(1)

 

 

 

 

 

 

 

 

(7,039

)

 

 

 

 

 

 

 

 

(7,039

)

Adjusted balance – January 1, 2020

 

 

55,057

 

 

 

1,073,764

 

 

 

1,665,399

 

 

 

83,180

 

 

 

(277,999

)

 

 

2,599,401

 

Total comprehensive (loss) income

 

 

 

 

 

 

 

 

(3,439

)

 

 

136,210

 

 

 

 

 

 

132,771

 

Dividends ($0.31 per share)

 

 

 

 

 

 

 

 

(15,209

)

 

 

 

 

 

 

 

 

(15,209

)

Purchase of treasury stock

 

 

 

 

 

(4,500

)

 

 

 

 

 

 

 

 

(54,886

)

 

 

(59,386

)

Forfeitures of equity awards, net of issuances

 

 

 

 

 

521

 

 

 

 

 

 

 

 

 

72

 

 

 

593