UMBF — what changed in the latest 10-Q
A section-by-section comparison of UMBF's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-10-29 vs the prior 10-Q · 2026-07-30
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +11 | −39 | ~17 | 49 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Market risk (Item 3), Controls & procedures, Legal proceedings, Risk factors, Other information
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-10-29
On October 27, 2026, the Company announced that it entered into a merger agreement with El Dorado Savings Bank, F.S.B. (“El Dorado”) headquartered in Placerville, CA, under which the Company will acquire El Dorado in a 52% cash, 48% stock transaction valued at approximately $506 million. As of Septe…
The Company recorded net income available to common shareholders of $799.7 million for the nine-month period ended September 30, 2026, compared to net income available to common shareholders of $475.1 million for the same period a year earlier. Basic earnings per common share for the nine-month peri…
Net interest income for the three and nine-month periods ended September 30, 2026 increased $65.0 million, or 13.7%, and increased $267.2 million, or 19.9%, respectively, compared to the same periods in 2025. For the three-month period ended September 30, 2026, average earning assets increased by $2…
The provision for credit losses increased by $8.5 million for the three-month period ended September 30, 2026 and decreased by $43.5 million for the nine-month period ended September 30, 2026, as compared to the same periods in 2025. Provision expense for the nine-month period in 2025 included $62.0…
Noninterest expense decreased by $19.8 million, or 4.7%, for the three-month period ended September 30, 2026, and decreased by $17.3 million, or 1.4%, for the nine-month period ended September 30, 2026, compared to the same periods in 2025. These changes are discussed in greater detail below under N…
Text removed vs the prior filing · source: 10-Q · 2026-07-30
The following is a summary regarding the Company’s earnings for the second quarter of 2026. The changes identified in the summary are explained in greater detail below. The Company recorded net income available to common shareholders of $271.8 million for the three-month period ended June 30, 2026, …
Net interest income for the three and six-month periods ended June 30, 2026 increased $65.5 million, or 14.0%, and increased $202.2 million, or 23.4%, respectively, compared to the same periods in 2025. For the three-month period ended June 30, 2026, average earning assets increased by $3.9 billion,…
The provision for credit losses increased by $7.0 million for the three-month period ended June 30, 2026 and decreased by $52.0 million for the six-month period ended June 30, 2026, as compared to the same periods in 2025. Provision expense for the six-month period in 2025 included $62.0 million to …
Noninterest income increased by $23.3 million, or 10.5%, for the three-month period ended June 30, 2026, and increased by $61.9 million, or 15.9%, for the six-month period ended June 30, 2026, compared to the same periods in 2025. These changes are discussed in greater detail below under Noninterest…
Net interest income is a significant source of the Company’s earnings and represents the amount by which interest income on earning assets exceeds the interest expense paid on liabilities. The volume of interest-earning assets and the related funding sources, the overall mix of these assets and liab…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice