Item 2.02Results of Operations and Financial Condition

On January 24, 2023, UMB Financial Corporation (the "Company") issued a press release announcing the financial results for the Company for the quarter and year ended December 31, 2022. A copy of the press release is attached as Exhibit 99.1 and the information is hereby incorporated by reference herein. The Company does not incorporate by reference information presented at any website referenced in the press release.

The information contained in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 hereto, is being furnished and shall not be deemed to be "filed" with the Securities and Exchange Commission ("SEC") for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act") or otherwise subject to the liabilities of that section and is not incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended (the "Securities Act"), or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing.

Item 7.01 Regulation FD Disclosure

On January 24, 2023, the Company announced in the same press release that the Board of Directors of the Company had declared a quarterly dividend of $0.38 per share that is payable on April 3, 2023 to shareholders of record of the Company as of the close of business on March 10, 2023.

The Company is furnishing a copy of materials that will be used in the Company's shareholder conference call at 8:30 a.m. (CT) on January 25, 2023. A copy of the materials is attached as Exhibit 99.2 and will be available on the Company's website at www.umb.com. The materials are dated January 24, 2023, and the Company disclaims any obligation to correct or update any of the materials in the future.

The information provided under Item 7.01 of this Current Report on Form 8-K, including Exhibits 99.1 and 99.2 hereto, is being furnished and is not deemed to be "filed" with the SEC for the purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that section and is not incorporated by reference into any filing of the Company under the Securities Act or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing. The Company does not incorporate by reference to this Current Report on Form 8-K information presented at any website referenced in this report or in any of the Exhibits attached hereto.

Item 9.01 Financial Statements and Exhibits



99.1       Press Release announcing financial results for quarter and year ended
         December 31, 2022, and announcing dividend declaration.

99.2       Investor Presentation Materials, dated January 24, 2023.

104      The cover page from this Current Report on Form 8-K, formatted in Inline
         XBRL.

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