UMB Financial Corporation

Kansas City regional bank with commercial, institutional, and personal banking arms

What UMB Financial does

UMB Financial is a bank holding company headquartered in Kansas City, Missouri, founded in 1913. It lends to and handles cash for businesses, provides fund administration, custody and health savings account services to institutions, and offers everyday banking, mortgages and wealth management to individuals.

How UMB Financial makes money

It earns net interest income by lending out deposits at higher rates than it pays on them. It also earns fee income from treasury management, fund administration, custody, corporate trust, healthcare payment services, cards and wealth management.

Products & services

• Commercial loans and commercial real estate financing
• Treasury management and cash management services
• Fund administration, accounting and transfer agency
• Institutional custody and corporate trust services
• Health savings account custody and healthcare debit cards
• Private banking, trust and investment advisory