X0508 4 2026-02-10 0000101382 UMB FINANCIAL CORP UMBF 0001801742 Odgers David Carl 1010 GRAND BOULEVARD KANSAS CITY MO 64106 1 Chief Accounting Officer 0 Common Stock 2026-02-10 4 F 0 29 132.87 D 6661.41 D Common Stock 307.686 I By 401K Common Stock 306.886 I By ESOP Reflects dividends earned upon vesting of the underlying restricted stock unit. /s/ Jason D. Bartel, attorney-in-fact for Mr. Odgers 2026-02-12