Better Health for All

UMB Financial Corporation's core business involves financial services, including Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Arrangements (HRAs).

These are financial tools designed to help manage healthcare expenses, rather than direct health products or services. The company offers wellness programs and mental health resources to its associates, and has been recognized as one of the healthiest employers in the Kansas City region for over five years. UMB partners with various community organizations, including the Black Health Care Coalition and groups supporting veterans and individuals with developmental disabilities. It also supports financial education programs through a strategic partnership with EVERFI. While UMB provides security and privacy information for its healthcare data services and includes disclaimers about external websites, there is no specific evidence quantifying its direct impact on health outcomes, the percentage of vulnerable populations reached by health-related services, or specific investments in health innovation.

Fair Money & Economic Opportunity

The company provided $5.5 million in grants and closing costs to first-time homebuyers in 2024, and over $8.3 million in 2023.

Total corporate citizenship donations and sponsorships in 2023 amounted to $6.8 million, with associated giving (matching gift program + workplace giving) reaching nearly $650,000. In 2024, combined community support was $5.5 million, including $350,000 in donations to various organizations. In 2021, total giving exceeded $6 million, including specific donations of $350,000 to The Porter House KC, $500,000 to KC Scholars, $400,000 to CHES, Inc., and $375,000 each to NEWSED and Rocky Mountain MicroFinance Institute. UMB has a presence in 13 states and acquired Heartland Financial (HTLF) on January 31, 2025, adding five states to its footprint. Associates receive 16 hours of volunteer time off (VTO) each year.

Fair Pay & Worker Respect

UMB Financial Corporation's CEO to median employee pay ratio for 2024 was 57.83 to 1.

The company's overall employee rating on Glassdoor is 3.6 out of 5 stars, which translates to 72% satisfaction. All of UMB’s associates who have met minimum service requirements are offered standard benefits, including health insurance.

Fair Trade & Ethical Sourcing

UMB Financial Corporation is a financial services company. The provided articles state that UMB's Human Rights Statement, approved in October 2021, prohibits forced labor, exploited labor, child labor, and human trafficking.

The company also states it uses sustainably sourced and certified green finish materials in all builds and remodels. UMB has a Supplier Diversity Program that requires businesses to be at least 51% owned, operated, and controlled by diverse U.S. citizens, accepting certification from various agencies. Misrepresentation of size status for this program can lead to fines, imprisonment, or ineligibility for Small Business Act programs. However, no specific quantitative data is provided for any of the KPIs related to fair trade and ethical sourcing, such as the percentage of fair-trade certified spend, audit frequency, number of forced/child labor incidents, traceability coverage, remediation speed, ethical clause coverage, share of spend on high-risk materials, or the percentage of procurement budget directed to diverse suppliers.

No War, No Weapons

UMB Financial Corporation operates as a financial services company, primarily offering banking and wealth management services. The provided articles do not contain any evidence of the company engaging in arms manufacturing, military contracts, or any defense-related business activities. The company reported $0 in lobbying expenditures for both 2023 and 2024.

There is no information regarding dual-use technology, sales to embargoed regimes, or any specific investments in peacebuilding or disarmament initiatives. Consequently, all KPIs related to defense activities, weapons, or conflict-zone exposure are scored as N/A due to a lack of applicable business operations or relevant data.

Planet-Friendly Business

UMB Financial Corporation has no documented science-based targets or climate pledges available, and has set no targets.

The company has a stated net-zero carbon neutrality target year of 2050. No TCFD disclosures, climate scenario analysis, or transparency regarding stranded asset risks are provided. The company has no formal climate justice, just transition, or climate adaptation financing programs. UMB has 85 buildings onboarded to the ENERGY STAR rating system, but no percentage of facilities with green certification is provided. In 2024, UMB reported 48 tons of commingled recycling, 7 tons of cardboard recycling, and 499 pounds of recycled batteries. The company hosts 250,000 bees across six colonies in Denver locations. No environmental compliance violations are mentioned. The bank states it has a long history of lending to U.S. oil and gas companies and has taken no steps to assess its environmental impact or set policies on lending to the fossil fuel sector.

Respect for Cultures & Communities

UMB Financial Corporation has established formal partnerships with 12 community organizations, including various chambers of commerce and advocacy groups. The company reported $150,000 in combined donations from its Charitable Foundation and William T. Kemper Charitable Trust to the National Hispanic Cultural Center Foundation in 2024.

Total combined community support in 2024 was $5.5 million, which included $350,000 in donations to various organizations. While UMB plans to form a Community Advisory Council where NCRC will name 50% of the members, this is a future commitment for a plan starting in 2026, meaning there is no current community representation on governance or advisory bodies. The company provides training on cultural intelligence, mitigating unconscious bias, and inclusive leadership, but the percentage of employees completing specific cultural sensitivity training is not provided. No cultural appropriation incidents or disruptions to cultural sites were reported.

Safe & Smart Tech

UMB Financial Corporation has a vulnerability management program that assesses vulnerabilities in information systems and emerging threats.

The company also performs penetration testing of internal and external systems. UMB states compliance with SEC, GLBA, GDPR, state privacy regulations, and FFIEC guidance, and has implemented security controls based on PCI DSS requirements, which are evaluated regularly. The company's online privacy notice states that users have rights to access, correct, and delete their data, and to opt out of data sharing, with details on data minimization and retention provided.