| Name | Relationship | Address | Signature | Signature date | CIK |
|---|---|---|---|---|---|
| Terry Thomas S | Chief Credit Officer | 1010 GRAND BLVD., KANSAS CITY | /s/ Megan L. Mercer, Attorney-in-Fact for Mr. Terry | 15 Dec 2025 | 0001659887 |
| Type | Sym | Class | Transaction | Value $ | Shares | Change % | * Price $ | Shares After | Date | Ownership | Footnotes |
|---|---|---|---|---|---|---|---|---|---|---|---|
| transaction | UMBF | Common Stock | Gift | $0 | -400 | -1.1% | $0.000000 | 35,622 | 12 Dec 2025 | Direct | |
| holding | UMBF | Common Stock | 5,004 | 12 Dec 2025 | By ESOP |