UMB Successfully Completes Systems and Brand Conversion Following Acquisition of Heartland Financial USA, Inc.

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KANSAS CITY, Mo.--(BUSINESS WIRE)--Oct 16, 2025--

UMB Financial Corporation ( Nasdaq: UMBF) announced today that it has successfully completed its systems and brand conversion of Heartland Financial USA, Inc. This milestone is the final component of the largest acquisition in UMB’s 112-year history, which officially closed on Jan. 31, 2025. This acquisition expanded UMB’s footprint from eight to 13 states and significantly increased its assets, which were $71.8 billion as of June 30, 2025.

“Our combined company is performing extremely well as evidenced by our second quarter earnings results,” said Mariner Kemper, chairman and chief executive officer of UMB Financial Corporation. “We’ve gained great talent and are already seeing business wins and strong camaraderie among the teams. I am extremely proud of all the associates who worked so tirelessly to deliver a seamless transition to our customers.”

All former HTLF divisional banks are now officially operating on UMB platforms and under the UMB brand. Newly transitioned UMB customers have been fully integrated into UMB's systems and will be able to access their accounts at any UMB location and its online banking platform. All UMB customers will also now have access to an expanded banking network that includes 192 branches and 347 ATMs. For more information about the transition and offerings, customers are encouraged to visit welcome.UMB.com.

“This is a monumental day as we move forward as a unified company from both an operational and brand perspective,” said Kemper. “We are excited to grow with these communities, bringing our expertise, an expanded team and enhanced products and services to further build upon these relationships and provide even more impact.”

While UMB has significantly grown, its customer-focused approach and distinct business model remain the same.

“With our model, we offer the products and services of a national bank, paired with the outstanding and personalized service of a community bank,” Kemper said. “Our goal is to take local national, and we’re doing that the same way we always have—with local decision-making, community involvement and the best people in the industry.”

About UMB

UMB Financial Corporation (Nasdaq: UMBF) is a financial services company headquartered in Kansas City, Missouri. UMB offers commercial banking, which includes comprehensive deposit, lending, investment and retirement plan services; personal banking, which includes comprehensive deposit, lending, wealth management and financial planning services; and institutional banking, which includes asset servicing, corporate trust solutions, investment banking and healthcare services. UMB operates branches throughout Missouri, Arizona, California, Colorado, Iowa, Kansas, Illinois, Minnesota, Nebraska, New Mexico, Oklahoma, Texas, and Wisconsin. As the company’s reach continues to grow, it also serves business clients nationwide and institutional clients in several countries. For more information, visit UMB.com, UMB Blog, UMB Facebook and UMB LinkedIn.

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KEYWORD: MISSOURI UNITED STATES NORTH AMERICA

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SOURCE: UMB Financial Corporation

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PUB: 10/16/2025 09:00 AM/DISC: 10/16/2025 08:59 AM

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