144 0001417351 XXXXXXXX LIVE 0000101382 UMB FINANCIAL CORP 001-38481 1010 GRAND AVE KANSAS CITY MO 64106 8168607000 Gallagher Kevin Charles Director Common Stock UMB Financial Services, Inc.

928 Grand Boulevard Fourth Floor Kansas City MO 64106

400 52728.00 75978727 06/10/2026 NASDAQ Common Stock 05/01/2026 StockAward from Issuer for Service as a Director UMB Financial Corporation N 116 12/31/2025 Service as a Director During 2025 Common Stock 01/30/2026 Stock Award from Issuer for Service as a Director UMB Financial Corporation N 786 12/31/2025 Service as a Director During 2025 Y 06/10/2026 Jason D. Bartel, by POA