UMB Financial Corporation reported a net income of $345.9 million for its Commercial Banking segment for the nine months ended September 30, 2025, representing an increase of 50.2% compared to $230.3 million in the same period in 2024. Net interest income rose by 90.4%, or $440.6 million, over the prior year period, mainly due to the acquisition of HTLF, organic loan growth, and changes in earning asset mix. Provision for credit losses increased by $68.8 million, reflecting impacts from the HTLF acquisition and changes in portfolio and macro-economic metrics. For the three months ended September 30, 2025, net income for Commercial Banking was $345.9 million. During the quarter, noninterest income rose by 28.1% to $203.3 million, driven by HTLF-related fee income increases in trust income, deposit service charges, and bankcard fees. The company noted continued market volatility and uncertainty related to inflation, recessionary signals, and recent tariffs, which may influence financial performance for the remainder of the year. Business segment results were reclassified to align with the company's current organizational structure following the HTLF acquisition.
Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. UMB Financial Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-25-257610), on October 30, 2025, and is solely responsible for the information contained therein.
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