UMB FINANCIAL CORP
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UMBF Q1 2026 request
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Pick an endpoint and run the request.Income Statement
| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 633,078 | 527,404 | +20.0% |
| Interest Income Securities Taxable | 145,299 | 98,296 | +47.8% |
| Interest Income Securities Tax Exempt | 34,454 | 29,963 | +15.0% |
| Interest And Dividend Income Securities | 179,753 | 128,259 | +40.1% |
| Interest Income Federal Funds Sold And Securities Purchased Under Agreements To Resell | 16,063 | 6,952 | +131.1% |
| Interest Income Deposits With Financial Institutions | 37,902 | 74,985 | -49.5% |
| Interest And Dividend Income On Trading Securities | 271 | 370 | -26.8% |
| Interest And Dividend Income Operating | 867,067 | 737,970 | +17.5% |
| Derivative Gain Loss On Derivative Net (Q) | — | — | — |
Show Derivative Risk breakouts |
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| Commodity Contract | 76 | — | — |
| Commodity Contract · Nondesignated | 76 | — | — |
| Interest Rate Contract | -29 | -90 | +67.8% |
| Interest Rate Contract · Nondesignated | -29 | -90 | +67.8% |
| Interest Expense Deposits | 292,373 | 303,406 | -3.6% |
| Interest Expense Federal Funds Purchased And Securities Sold Under Agreements To Repurchase | 29,698 | 25,790 | +15.2% |
| Interest Income Expense Other | 10,630 | 11,135 | -4.5% |
| Interest Expense Operating | 332,701 | 340,331 | -2.2% |
| Interest Income Expense Net | 534,366 | 397,639 | +34.4% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 365,342 | 273,916 | +33.4% |
| Institutional Banking [Member] · Operating Segments | 77,287 | 61,159 | +26.4% |
| Personal Banking [Member] · Operating Segments | 91,737 | 62,564 | +46.6% |
Show Consolidation Items breakouts |
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| Operating Segments | 534,366 | 397,639 | +34.4% |
| Provision For Loan Lease And Other Losses | 27,000 | 86,000 | -68.6% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 23,777 | 66,751 | -64.4% |
| Institutional Banking [Member] · Operating Segments | 497 | 435 | +14.3% |
| Personal Banking [Member] · Operating Segments | 2,726 | 18,814 | -85.5% |
Show Consolidation Items breakouts |
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| Operating Segments | 27,000 | 86,000 | -68.6% |
| Interest Income Expense After Provision For Loan Loss | 507,366 | 311,639 | +62.8% |
| Trust And Securities Processing Income | 94,667 | 79,781 | +18.7% |
| Investment Banking Advisory Brokerage And Underwriting Fees And Commissions | 7,740 | 5,911 | +30.9% |
| Service Charges On Deposit Accounts | 29,474 | 27,457 | +7.3% |
| Insurance Commissions And Fees | 255 | 178 | +43.3% |
| Brokerage Fees | 21,089 | 18,102 | +16.5% |
| Bankcard Fees | 28,878 | 26,293 | +9.8% |
| Gain Loss On Investments | 3,046 | -4,782 | +163.7% |
| Noninterest Income Other Operating Income | 19,644 | 13,258 | +48.2% |
| Noninterest Income | 204,793 | 166,198 | +23.2% |
Show Product Lines breakouts |
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| Brokerage Fees [Member] | 21,089 | 18,102 | +16.5% |
| Credit Card | 28,878 | 26,293 | +9.8% |
| Deposit Account | 29,474 | 27,457 | +7.3% |
| Fiduciary And Trust | 94,667 | 79,781 | +18.7% |
| Insurance Fees and Commissions [Member] | 255 | 178 | +43.3% |
| Investment Securities Gains (Losses), Net [Member] | 3,046 | -4,782 | +163.7% |
| Other [Member] | 19,644 | 13,258 | +48.2% |
| Trading and Investment Banking [Member] | 7,740 | 5,911 | +30.9% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 46,289 | 37,218 | +24.4% |
| Institutional Banking [Member] · Operating Segments | 121,829 | 103,797 | +17.4% |
| Personal Banking [Member] · Operating Segments | 36,675 | 25,183 | +45.6% |
Show Consolidation Items breakouts |
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| Operating Segments | 204,793 | 166,198 | +23.2% |
| Labor And Related Expense | 219,681 | 221,398 | -0.8% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 56,426 | 53,586 | +5.3% |
| Institutional Banking [Member] · Operating Segments | 50,637 | 47,186 | +7.3% |
| Personal Banking [Member] · Operating Segments | 39,924 | 35,999 | +10.9% |
Show Consolidation Items breakouts |
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| Operating Segments | 146,987 | 136,771 | +7.5% |
| Occupancy Net | 19,075 | 16,069 | +18.7% |
| Equipment Expense | 13,320 | 16,948 | -21.4% |
| Supplies Expense | 5,604 | 4,785 | +17.1% |
| Marketing And Advertising Expense | 13,792 | 7,998 | +72.4% |
| Noninterest Expense Transfer Agent And Custodian Fees | 42,059 | 40,850 | +3.0% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 4,028 | 3,664 | +9.9% |
| Institutional Banking [Member] · Operating Segments | 10,670 | 10,649 | +0.2% |
| Personal Banking [Member] · Operating Segments | 4,382 | 4,443 | -1.4% |
Show Consolidation Items breakouts |
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| Operating Segments | 19,080 | 18,756 | +1.7% |
| Legal Fees | 9,087 | 28,606 | -68.2% |
| Noninterest Expense Payment Processing | 11,841 | 12,795 | -7.5% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 2,848 | 3,173 | -10.2% |
| Institutional Banking [Member] · Operating Segments | 6,512 | 6,037 | +7.9% |
| Personal Banking [Member] · Operating Segments | 2,510 | 3,585 | -30.0% |
Show Consolidation Items breakouts |
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| Operating Segments | 11,870 | 12,795 | -7.2% |
| Amortization Of Intangible Assets | 23,460 | 17,482 | +34.2% |
Show Business Segments breakouts |
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| Institutional Banking [Member] · Operating Segments | 1,972 | 1,786 | +10.4% |
| Personal Banking [Member] · Operating Segments | 75 | 103 | -27.2% |
Show Consolidation Items breakouts |
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| Operating Segments | 2,047 | 1,889 | +8.4% |
| Regulatory Assessments | 8,270 | 8,237 | +0.4% |
| Other Noninterest Expense | 14,694 | 9,619 | +52.8% |
| Noninterest Expense | 380,883 | 384,787 | -1.0% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 165,452 | 173,011 | -4.4% |
| Institutional Banking [Member] · Operating Segments | 112,931 | 107,268 | +5.3% |
| Personal Banking [Member] · Operating Segments | 102,500 | 104,508 | -1.9% |
Show Consolidation Items breakouts |
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| Operating Segments | 380,883 | 384,787 | -1.0% |
| Income Before Taxes | 331,276 | 93,050 | +256.0% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 222,402 | 71,372 | +211.6% |
| Institutional Banking [Member] · Operating Segments | 85,688 | 57,253 | +49.7% |
| Personal Banking [Member] · Operating Segments | 23,186 | -35,575 | +165.2% |
Show Consolidation Items breakouts |
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| Operating Segments | 331,276 | 93,050 | +256.0% |
| Income Tax Expense (Benefit) | 69,838 | 11,717 | +496.0% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 46,886 | 8,987 | +421.7% |
| Institutional Banking [Member] · Operating Segments | 18,064 | 7,210 | +150.5% |
| Personal Banking [Member] · Operating Segments | 4,888 | -4,480 | +209.1% |
Show Consolidation Items breakouts |
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| Operating Segments | 69,838 | 11,717 | +496.0% |
| Net Income | 261,438 | 81,333 | +221.4% |
Show Business Segments breakouts |
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| Commercial Banking [Member] · Operating Segments | 175,516 | 62,385 | +181.3% |
| Institutional Banking [Member] · Operating Segments | 67,624 | 50,043 | +35.1% |
| Personal Banking [Member] · Operating Segments | 18,298 | -31,095 | +158.8% |
Show Consolidation Items breakouts |
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| Operating Segments | 261,438 | 81,333 | +221.4% |
| Preferred Stock Dividends Income Statement Impact | 5,813 | 2,013 | +188.8% |
| Net Income Loss Available To Common Stockholders Basic | 255,625 | 79,320 | +222.3% |
| EPS (Basic) | 3.36 | 1.22 | +175.4% |
| EPS (Diluted) | 3.35 | 1.21 | +176.9% |
| Common Stock Dividends Per Share Cash Paid | 0.43 | 0.4 | +7.5% |
| Wtd Avg Shares (Basic) | 76,032,620 | 65,063,262 | +16.9% |
| Wtd Avg Shares (Diluted) | 76,399,233 | 65,496,058 | +16.6% |
| Revenue (Q) | — | — | — |
Show Product Lines breakouts |
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| Brokerage Fees [Member] · Commercial Banking [Member] | 87 | 67 | +29.9% |
| Brokerage Fees [Member] · Institutional Banking [Member] | 18,365 | 15,372 | +19.5% |
| Brokerage Fees [Member] · Personal Banking [Member] | 2,637 | 2,663 | -1.0% |
| Credit Card · Commercial Banking [Member] | 26,086 | 24,164 | +8.0% |
| Credit Card · Institutional Banking [Member] | 7,894 | 7,242 | +9.0% |
| Credit Card · Personal Banking [Member] | 7,071 | 6,683 | +5.8% |
| Deposit Account · Commercial Banking [Member] | 16,144 | 14,581 | +10.7% |
| Deposit Account · Institutional Banking [Member] | 10,857 | 10,859 | -0.0% |
| Deposit Account · Personal Banking [Member] | 2,441 | 1,978 | +23.4% |
| Fiduciary And Trust · Commercial Banking [Member] | 761 | 479 | +58.9% |
| Fiduciary And Trust · Institutional Banking [Member] | 73,325 | 61,248 | +19.7% |
| Fiduciary And Trust · Personal Banking [Member] | 20,581 | 18,054 | +14.0% |
| Insurance Fees and Commissions [Member] · Personal Banking [Member] | 255 | 178 | +43.3% |
| Other [Member] · Commercial Banking [Member] | 1,164 | 1,279 | -9.0% |
| Other [Member] · Institutional Banking [Member] | 738 | 682 | +8.2% |
| Other [Member] · Personal Banking [Member] | 842 | 782 | +7.7% |
| Trading and Investment Banking [Member] · Institutional Banking [Member] | 122 | 329 | -62.9% |
Show Business Segments breakouts |
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| Commercial Banking [Member] | 44,242 | 40,570 | +9.1% |
| Institutional Banking [Member] | 111,301 | 95,732 | +16.3% |
| Personal Banking [Member] | 33,827 | 30,338 | +11.5% |
| Other Revenue | 15,423 | -442 | +3589.4% |
Show Product Lines breakouts |
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| Credit Card | -12,173 | -11,796 | -3.2% |
| Deposit Account | 32 | 39 | -17.9% |
| Investment Securities Gains (Losses), Net [Member] | 3,046 | -4,782 | +163.7% |
| Other [Member] | 16,900 | 10,515 | +60.7% |
| Trading and Investment Banking [Member] | 7,618 | 5,582 | +36.5% |
Show Income Statement Location breakouts |
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| Bankcard Fees [Member] | 12.2 | 11.8 | +3.4% |
| Comprehensive Income | 191,608 | 161,685 | +18.5% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | -69,830 | 80,352 | -186.9% |
| Retained Earnings | 261,438 | 81,333 | +221.4% |
Balance Sheet
| Metric | Q1 2026 | Q1 2025 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 6,261,340 | 10,610,066 | -41.0% |
| Non-Current Assets | |||
| Property, Plant & Equipment | 391,020 | 391,147 | -0.0% |
| Goodwill | 1,837,594 | 1,798,451 | +2.2% |
Show Business Segments breakouts |
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| Commercial Banking [Member] | 1,041,238 | 1,017,753 | +2.3% |
| Institutional Banking [Member] | 76,492 | 76,492 | 0.0% |
| Personal Banking [Member] | 719,864 | 704,206 | +2.2% |
| Intangible Assets | 463,409 | 557,186 | -16.8% |
Show Finite Lived Intangible Assets By Major Class breakouts |
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| Core Deposits | 380,283 | 460,390 | -17.4% |
| Customer Relationships | 83,126 | 96,796 | -14.1% |
| Total Assets | 72,674,161 | 69,347,313 | +4.8% |
| Other Assets | |||
| Notes Receivable Gross | 40,134,325 | 35,936,281 | +11.7% |
Show Class Of Financing Receivable Type Of Borrower breakouts |
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| Consumer Credit Score [Member] · Credit Cards Portfolio [Member] | 338,419 | — | — |
| Consumer Cycle Delinquency [Member] · Credit Cards Portfolio [Member] | 2,974 | 7,605 | -60.9% |
Show Collateral breakouts |
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| Collateral Pledged | 150,800 | 97,157 | +55.2% |
| Collateral Pledged · Commercial and Industrial Portfolio [Member] | 55,975 | 12,585 | +344.8% |
| Collateral Pledged · Commercial and Industrial Portfolio [Member] | 1,681 | 1,287 | +30.6% |
| Collateral Pledged · Commercial and Industrial Portfolio [Member] | 53,449 | 11,298 | +373.1% |
| Collateral Pledged · Commercial and Industrial Portfolio [Member] | 845 | — | — |
| Collateral Pledged · Commercial Real Estate Portfolio Segment | 63,575 | 61,132 | +4.0% |
| Collateral Pledged · Commercial Real Estate Portfolio Segment | 3,655 | 2,273 | +60.8% |
| Collateral Pledged · Commercial Real Estate Portfolio Segment | 193 | 6,664 | -97.1% |
| Collateral Pledged · Commercial Real Estate Portfolio Segment | 28,907 | 34,637 | -16.5% |
| Collateral Pledged · Commercial Real Estate Portfolio Segment | 16,496 | 17,558 | -6.0% |
| Collateral Pledged · Commercial Real Estate Portfolio Segment | 14,324 | — | — |
| Collateral Pledged · Consumer Portfolio Segment | 147 | 149 | -1.3% |
| Collateral Pledged · Consumer Portfolio Segment | 45 | 51 | -11.8% |
| Collateral Pledged · Consumer Portfolio Segment | 34 | 58 | -41.4% |
| Collateral Pledged · Consumer Portfolio Segment | 68 | 40 | +70.0% |
| Collateral Pledged · Consumer Real Estate Portfolio [Member] | 31,103 | 23,291 | +33.5% |
| Collateral Pledged · Consumer Real Estate Portfolio [Member] | 24,827 | 17,653 | +40.6% |
| Collateral Pledged · Consumer Real Estate Portfolio [Member] | 5,421 | 5,045 | +7.5% |
| Collateral Pledged · Consumer Real Estate Portfolio [Member] | 855 | 593 | +44.2% |
Show Credit Score Fico breakouts |
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| Credit Score, 600-619 [Member] · Credit Cards Portfolio [Member] | 6,657 | 6,771 | -1.7% |
| Credit Score, 620-639 [Member] · Credit Cards Portfolio [Member] | 11,911 | 12,613 | -5.6% |
| Credit Score, 640-659 [Member] · Credit Cards Portfolio [Member] | 19,360 | 19,394 | -0.2% |
| Credit Score, 660-679 [Member] · Credit Cards Portfolio [Member] | 20,322 | 20,516 | -0.9% |
| Credit Score, 680-699 [Member] · Credit Cards Portfolio [Member] | 22,516 | 22,730 | -0.9% |
| Credit Score, 700-719 [Member] · Credit Cards Portfolio [Member] | 24,366 | 24,546 | -0.7% |
| Credit Score, 720-739 [Member] · Credit Cards Portfolio [Member] | 21,141 | 21,480 | -1.6% |
| Credit Score, 740-759 [Member] · Credit Cards Portfolio [Member] | 20,345 | 18,402 | +10.6% |
| Credit Score, 760-779 [Member] · Credit Cards Portfolio [Member] | 19,859 | 18,253 | +8.8% |
| Credit Score, 780-799 [Member] · Credit Cards Portfolio [Member] | 18,143 | 17,544 | +3.4% |
| Credit Score, 800-819 [Member] · Credit Cards Portfolio [Member] | 11,588 | 10,814 | +7.2% |
| Credit Score, 820-839 [Member] · Credit Cards Portfolio [Member] | 5,551 | 5,429 | +2.2% |
| Credit Score, 840+ [Member] · Credit Cards Portfolio [Member] | 1,244 | 1,120 | +11.1% |
| Credit Score, Less than 600 [Member] · Credit Cards Portfolio [Member] | 12,922 | 10,128 | +27.6% |
Show Financial Instrument Performance Status breakouts |
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| Nonperforming Financing Receivable · Consumer Portfolio Segment | 43 | 51 | -15.7% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 27 | 58 | -53.4% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 67 | 40 | +67.5% |
| Nonperforming Financing Receivable · Consumer Real Estate Portfolio [Member] | 23,972 | 17,195 | +39.4% |
| Nonperforming Financing Receivable · Consumer Real Estate Portfolio [Member] | 5,222 | 4,925 | +6.0% |
| Nonperforming Financing Receivable · Consumer Real Estate Portfolio [Member] | 791 | 535 | +47.9% |
| Performing Financing Receivable · Consumer Portfolio Segment | 29,350 | 41,419 | -29.1% |
| Performing Financing Receivable · Consumer Portfolio Segment | 152,017 | 152,968 | -0.6% |
| Performing Financing Receivable · Consumer Portfolio Segment | 54,478 | 133,946 | -59.3% |
| Performing Financing Receivable · Consumer Real Estate Portfolio [Member] | 3,561,735 | 3,356,447 | +6.1% |
| Performing Financing Receivable · Consumer Real Estate Portfolio [Member] | 714,004 | 677,071 | +5.5% |
| Performing Financing Receivable · Consumer Real Estate Portfolio [Member] | 124,004 | 133,513 | -7.1% |
Show Financing Receivable Portfolio breakouts |
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| Commercial and Industrial Portfolio [Member] | 17,068,764 | 14,035,462 | +21.6% |
| Commercial and Industrial Portfolio [Member] · 30-89 Days Past Due and Accruing [Member] | 8,811 | 1,908 | +361.8% |
| Commercial and Industrial Portfolio [Member] · Agriculture [Member] | 490,650 | 408,234 | +20.2% |
| Commercial and Industrial Portfolio [Member] · Agriculture [Member] | 470,180 | 395,052 | +19.0% |
| Commercial and Industrial Portfolio [Member] · Agriculture [Member] | 6,339 | 9,283 | -31.7% |
| Commercial and Industrial Portfolio [Member] · Agriculture [Member] | 13,631 | 3,899 | +249.6% |
| Commercial and Industrial Portfolio [Member] · Agriculture [Member] | 500 | — | — |
| Commercial and Industrial Portfolio [Member] · Equipment/Accounts Receivable/Inventory [Member] | 13,930,909 | 13,622,883 | +2.3% |
| Commercial and Industrial Portfolio [Member] · Equipment/Accounts Receivable/Inventory [Member] | 8,789 | 81 | +10750.6% |
| Commercial and Industrial Portfolio [Member] · Equipment/Accounts Receivable/Inventory [Member] | 13,458,174 | 13,082,915 | +2.9% |
| Commercial and Industrial Portfolio [Member] · Equipment/Accounts Receivable/Inventory [Member] | 142,969 | 267,433 | -46.5% |
| Commercial and Industrial Portfolio [Member] · Equipment/Accounts Receivable/Inventory [Member] | 320,977 | 272,454 | +17.8% |
| Commercial and Industrial Portfolio [Member] · Financial Asset Not Past Due | 17,003,977 | 14,020,467 | +21.3% |
| Commercial and Industrial Portfolio [Member] · Financial Asset Past Due | 64,787 | 14,995 | +332.1% |
| Commercial and Industrial Portfolio [Member] · Financing Receivables Equal To Greater Than90 Days Past Due | 1 | 502 | -99.8% |
| Commercial and Industrial Portfolio [Member] · NDFIs [Member] | 2,636,062 | — | — |
| Commercial and Industrial Portfolio [Member] · NDFIs [Member] | 2,588,449 | — | — |
| Commercial and Industrial Portfolio [Member] · NDFIs [Member] | 32,686 | — | — |
| Commercial and Industrial Portfolio [Member] · NDFIs [Member] | 14,927 | — | — |
| Commercial and Industrial Portfolio [Member] · Overdrafts [Member] | 11,143 | 4,345 | +156.5% |
| Commercial Real Estate Portfolio Segment | 16,627,070 | 15,998,750 | +3.9% |
| Commercial Real Estate Portfolio Segment · 1-4 Family Construction [Member] | 87,613 | 101,798 | -13.9% |
| Commercial Real Estate Portfolio Segment · 1-4 Family Construction [Member] | 85,969 | 101,426 | -15.2% |
| Commercial Real Estate Portfolio Segment · 1-4 Family Construction [Member] | 1,644 | 372 | +341.9% |
| Commercial Real Estate Portfolio Segment · 30-89 Days Past Due and Accruing [Member] | 8,647 | 49,886 | -82.7% |
| Commercial Real Estate Portfolio Segment · 5+ Multi-family [Member] | 1,788,547 | 1,197,375 | +49.4% |
| Commercial Real Estate Portfolio Segment · 5+ Multi-family [Member] | 1,712,896 | 1,144,338 | +49.7% |
| Commercial Real Estate Portfolio Segment · 5+ Multi-family [Member] | 48,219 | 35,403 | +36.2% |
| Commercial Real Estate Portfolio Segment · 5+ Multi-family [Member] | 27,432 | 17,634 | +55.6% |
| Commercial Real Estate Portfolio Segment · Farmland [Member] | 851,058 | 894,595 | -4.9% |
| Commercial Real Estate Portfolio Segment · Farmland [Member] | 731,416 | 847,453 | -13.7% |
| Commercial Real Estate Portfolio Segment · Farmland [Member] | 28,433 | 18,823 | +51.1% |
| Commercial Real Estate Portfolio Segment · Farmland [Member] | 91,209 | 28,319 | +222.1% |
| Commercial Real Estate Portfolio Segment · Financial Asset Not Past Due | 16,554,028 | 15,887,884 | +4.2% |
| Commercial Real Estate Portfolio Segment · Financial Asset Past Due | 73,042 | 110,866 | -34.1% |
| Commercial Real Estate Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 959 | — | — |
| Commercial Real Estate Portfolio Segment · General Construction [Member] | 3,129,454 | 3,687,626 | -15.1% |
| Commercial Real Estate Portfolio Segment · General Construction [Member] | 101 | 106 | -4.7% |
| Commercial Real Estate Portfolio Segment · General Construction [Member] | 3,015,179 | 3,565,970 | -15.4% |
| Commercial Real Estate Portfolio Segment · General Construction [Member] | 38,282 | 107,183 | -64.3% |
| Commercial Real Estate Portfolio Segment · General Construction [Member] | 75,892 | 14,367 | +428.2% |
| Commercial Real Estate Portfolio Segment · Non-owner-occupied [Member] | 5,838,083 | 5,758,922 | +1.4% |
| Commercial Real Estate Portfolio Segment · Non-owner-occupied [Member] | 5,686,553 | 5,580,253 | +1.9% |
| Commercial Real Estate Portfolio Segment · Non-owner-occupied [Member] | 60,880 | 106,524 | -42.8% |
| Commercial Real Estate Portfolio Segment · Non-owner-occupied [Member] | 90,646 | 72,145 | +25.6% |
| Commercial Real Estate Portfolio Segment · Non-owner-occupied [Member] | 4 | — | — |
| Commercial Real Estate Portfolio Segment · Owner-occupied [Member] | 4,932,315 | 4,358,434 | +13.2% |
| Commercial Real Estate Portfolio Segment · Owner-occupied [Member] | 4,691,600 | 4,111,922 | +14.1% |
| Commercial Real Estate Portfolio Segment · Owner-occupied [Member] | 123,100 | 141,961 | -13.3% |
| Commercial Real Estate Portfolio Segment · Owner-occupied [Member] | 117,615 | 104,264 | +12.8% |
| Consumer Portfolio Segment | 235,982 | 328,482 | -28.2% |
| Consumer Portfolio Segment · 30-89 Days Past Due and Accruing [Member] | 568 | 417 | +36.2% |
| Consumer Portfolio Segment · Auto [Member] | 29,393 | 41,470 | -29.1% |
| Consumer Portfolio Segment · Consumer Other | 54,545 | 133,986 | -59.3% |
| Consumer Portfolio Segment · Financial Asset Not Past Due | 230,085 | 327,890 | -29.8% |
| Consumer Portfolio Segment · Financial Asset Past Due | 5,897 | 592 | +896.1% |
| Consumer Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 5,182 | 26 | +19830.8% |
| Consumer Portfolio Segment · Revolving Line [Member] | 152,044 | 153,026 | -0.6% |
| Consumer Real Estate Portfolio [Member] | 4,429,728 | 4,189,686 | +5.7% |
| Consumer Real Estate Portfolio [Member] · 30-89 Days Past Due and Accruing [Member] | 11,631 | 3,602 | +222.9% |
| Consumer Real Estate Portfolio [Member] · Financial Asset Not Past Due | 4,386,994 | 4,162,793 | +5.4% |
| Consumer Real Estate Portfolio [Member] · Financial Asset Past Due | 42,734 | 26,893 | +58.9% |
| Consumer Real Estate Portfolio [Member] · First Lien: 1-4 Family [Member] | 3,585,707 | 3,373,642 | +6.3% |
| Consumer Real Estate Portfolio [Member] · HELOC [Member] | 719,226 | 681,996 | +5.5% |
| Consumer Real Estate Portfolio [Member] · Junior Lien: 1-4 Family [Member] | 124,795 | 134,048 | -6.9% |
| Credit Cards Portfolio [Member] | 717,831 | 677,033 | +6.0% |
| Credit Cards Portfolio [Member] · 30-89 Days Past Due and Accruing [Member] | 10,603 | 11,048 | -4.0% |
| Credit Cards Portfolio [Member] · Commercial [Member] | 376,438 | 366,159 | +2.8% |
| Credit Cards Portfolio [Member] · Commercial [Member] | 347,195 | 341,002 | +1.8% |
| Credit Cards Portfolio [Member] · Commercial [Member] | 29,243 | 25,157 | +16.2% |
| Credit Cards Portfolio [Member] · Consumer [Member] | 341,393 | 310,874 | +9.8% |
| Credit Cards Portfolio [Member] · Consumer [Member] | 679 | 1,622 | -58.1% |
| Credit Cards Portfolio [Member] · Consumer [Member] | 657 | 1,682 | -60.9% |
| Credit Cards Portfolio [Member] · Consumer [Member] | 825 | 2,360 | -65.0% |
| Credit Cards Portfolio [Member] · Consumer [Member] | 813 | 1,941 | -58.1% |
| Credit Cards Portfolio [Member] · Consumer [Member] | 122,494 | 93,529 | +31.0% |
| Credit Cards Portfolio [Member] · Financial Asset Not Past Due | 697,857 | 656,287 | +6.3% |
| Credit Cards Portfolio [Member] · Financial Asset Past Due | 19,974 | 20,746 | -3.7% |
| Credit Cards Portfolio [Member] · Financing Receivables Equal To Greater Than90 Days Past Due | 8,782 | 5,818 | +50.9% |
| Leases and Other Portfolio [Member] | 408,923 | 164,779 | +148.2% |
| Leases and Other Portfolio [Member] · Financial Asset Not Past Due | 408,923 | 164,779 | +148.2% |
| Leases and Other Portfolio [Member] · Leases [Member] | 1,186 | 1,469 | -19.3% |
| Leases and Other Portfolio [Member] · Leases [Member] | 1,186 | 1,469 | -19.3% |
| Leases and Other Portfolio [Member] · Other [Member] | 407,737 | 163,310 | +149.7% |
| Leases and Other Portfolio [Member] · Other [Member] | 407,737 | 163,310 | +149.7% |
| Specialty Lending Portfolio [Member] | 646,027 | 542,089 | +19.2% |
| Specialty Lending Portfolio [Member] · Asset-based [Member] | 646,027 | 542,089 | +19.2% |
| Specialty Lending Portfolio [Member] · Asset-based [Member] | 646,027 | 542,089 | +19.2% |
| Specialty Lending Portfolio [Member] · Financial Asset Not Past Due | 646,027 | 542,089 | +19.2% |
Show Financing Receivables Period Past Due breakouts |
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| 30-89 Days Past Due and Accruing [Member] | 40,260 | 66,861 | -39.8% |
| Financial Asset Not Past Due | 39,927,891 | 35,762,189 | +11.6% |
| Financial Asset Past Due | 206,434 | 174,092 | +18.6% |
| Financing Receivables Equal To Greater Than90 Days Past Due | 14,924 | 6,346 | +135.2% |
| Financing Receivable Allowance For Credit Loss Excluding Held To Maturity | -425,876 | -368,922 | -15.4% |
| Notes Receivable Net | 39,708,449 | 35,567,359 | +11.6% |
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 4,471 | 5,099 | -12.3% |
| Held To Maturity Securities Net Of Allowance For Credit Losses | 5,699,881 | 5,712,764 | -0.2% |
| Trading Securities | 24,205 | 35,461 | -31.7% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level1 | 7,513 | 15,253 | -50.7% |
| Fair Value Inputs Level1 · Corporate Debt Securities | 7,086 | 12,494 | -43.3% |
| Fair Value Inputs Level1 · Fair Value Measurements Recurring | 7,513 | 15,253 | -50.7% |
| Fair Value Inputs Level1 · Fair Value Measurements Recurring | 427 | 2,130 | -80.0% |
| Fair Value Inputs Level2 | 16,692 | 20,208 | -17.4% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 16,692 | 20,208 | -17.4% |
| Fair Value Inputs Level2 · Mortgage Backed Securities | 5,172 | — | — |
| Fair Value Inputs Level2 · US Government Agencies Debt Securities | 5,397 | 6,980 | -22.7% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 6,123 | 13,228 | -53.7% |
Show Financial Instrument breakouts |
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| Corporate Debt Securities · Fair Value Measurements Recurring | 7,086 | 12,494 | -43.3% |
| Mortgage Backed Securities · Fair Value Measurements Recurring | 5,172 | — | — |
| US Government Agencies Debt Securities · Fair Value Measurements Recurring | 5,397 | 6,980 | -22.7% |
| US States And Political Subdivisions · Fair Value Measurements Recurring | 6,123 | 13,228 | -53.7% |
Show Fair Value By Measurement Basis breakouts |
|||
| Estimate Of Fair Value Fair Value Disclosure | 24,205 | 35,461 | -31.7% |
Show Fair Value By Measurement Frequency breakouts |
|||
| Fair Value Measurements Recurring | 24,205 | 35,461 | -31.7% |
| Fair Value Measurements Recurring · Other Trading | 427 | 2,130 | -80.0% |
| Other Investments | 685,590 | 647,152 | +5.9% |
Show Investment Type breakouts |
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| Equity Securities With Readily Determinable Fair Values [Member] | 12,604 | 12,032 | +4.8% |
| Equity Securities Without Readily Determinable Fair Values [Member] | 535,326 | 539,930 | -0.9% |
| FRB and FHLB stock [Member] | 137,660 | 95,190 | +44.6% |
| Investments | 20,070,562 | 17,291,036 | +16.1% |
| Federal Funds Sold And Securities Purchased Under Agreements To Resell | 1,524,669 | 636,069 | +139.7% |
| Interest Bearing Deposits In Banks | 5,655,290 | 9,811,867 | -42.4% |
| Cash And Due From Banks | 735,829 | 917,450 | -19.8% |
| Accrued Investment Income Receivable | 342,685 | 308,103 | +11.2% |
| Other Assets | 1,940,183 | 2,063,546 | -6.0% |
| Non-Current Liabilities | |||
| Long-Term Debt | 477,164 | — | — |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 | 526,828 | — | — |
Show Debt Instrument breakouts |
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| BVBC Capital Trust II [Member] · Trust Preferred Securities [Member] | 7,477 | — | — |
| BVBC Capital Trust III [Member] · Trust Preferred Securities [Member] | 10,369 | — | — |
| CBNM Capital Trust I [Member] · Trust Preferred Securities [Member] | 4,866 | — | — |
| Citywide Capital Trust III [Member] · Trust Preferred Securities [Member] | 6,829 | — | — |
| Citywide Capital Trust IV [Member] · Trust Preferred Securities [Member] | 4,721 | — | — |
| Citywide Capital Trust V [Member] · Trust Preferred Securities [Member] | 13,200 | — | — |
| Heartland Financial Statutory Trust IV [Member] · Trust Preferred Securities [Member] | 9,709 | — | — |
| Heartland Financial Statutory Trust V [Member] · Trust Preferred Securities [Member] | 17,596 | — | — |
| Heartland Financial Statutory Trust VI [Member] · Trust Preferred Securities [Member] | 17,048 | — | — |
| Heartland Financial Statutory Trust VII [Member] · Trust Preferred Securities [Member] | 14,917 | — | — |
| Marquette Capital Trust I Subordinated Debentures 5.41% due 2036 [Member] · Trust Preferred Securities [Member] | 19,410 | — | — |
| Marquette Capital Trust II Subordinated Debentures 5.41% due 2036 [Member] · Trust Preferred Securities [Member] | 19,876 | — | — |
| Marquette Capital Trust III Subordinated Debentures 6.23% due 2036 [Member] · Trust Preferred Securities [Member] | 7,803 | — | — |
| Marquette Capital Trust IV Subordinated Debentures 6.37% due 2036 [Member] · Trust Preferred Securities [Member] | 31,468 | — | — |
| Morrill Statutory Trust I [Member] · Trust Preferred Securities [Member] | 10,012 | — | — |
| Morrill Statutory Trust II [Member] · Trust Preferred Securities [Member] | 9,774 | — | — |
| OCGI Statutory Trust III [Member] · Trust Preferred Securities [Member] | 3,030 | — | — |
| OCGI Statutory Trust IV [Member] · Trust Preferred Securities [Member] | 5,693 | — | — |
| Sheboygan Statutory Trust I [Member] · Trust Preferred Securities [Member] | 7,378 | — | — |
| Subordinated notes 2.75% [Member] | 146,627 | — | — |
| Subordinated notes 6.25% due 2032, net issuance costs [Member] | 109,361 | — | — |
Show Fair Value By Measurement Basis breakouts |
|||
| Estimate Of Fair Value Fair Value Disclosure | 526,828 | — | — |
Show Long-Term Debt Type breakouts |
|||
| Trust Preferred Securities [Member] | 221,176 | — | — |
| Accrued Liabilities Current And Noncurrent | 309,932 | 352,143 | -12.0% |
| Total Liabilities | 64,847,164 | 62,598,879 | +3.6% |
| Other Liabilities | |||
| Available For Sale Securities Debt Securities | 13,660,886 | 10,895,659 | +25.4% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level1 | 2,397,394 | 1,883,640 | +27.3% |
| Fair Value Inputs Level1 · Corporate Debt Securities | 139,681 | 298,461 | -53.2% |
| Fair Value Inputs Level1 · Fair Value Measurements Recurring | 2,397,394 | 1,883,640 | +27.3% |
| Fair Value Inputs Level1 · US Treasury Securities | 2,257,713 | 1,585,179 | +42.4% |
| Fair Value Inputs Level2 | 11,263,492 | 9,012,019 | +25.0% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 11,263,492 | 9,012,019 | +25.0% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 554,195 | 513,128 | +8.0% |
| Fair Value Inputs Level2 · Mortgage Backed Securities | 8,287,873 | 5,960,927 | +39.0% |
| Fair Value Inputs Level2 · US Government Agencies Debt Securities | 49,968 | 107,664 | -53.6% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 2,371,456 | 2,430,300 | -2.4% |
Show Financial Instrument breakouts |
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| Collateralized Loan Obligations | 554,195 | 513,128 | +8.0% |
| Corporate Debt Securities | 139,681 | 298,461 | -53.2% |
| Corporate Debt Securities · Fair Value Measurements Recurring | 139,681 | 298,461 | -53.2% |
| Mortgage Backed Securities | 8,287,873 | 5,960,927 | +39.0% |
| Mortgage Backed Securities · Fair Value Measurements Recurring | 8,287,873 | 5,960,927 | +39.0% |
| US Government Agencies Debt Securities | 49,968 | 107,664 | -53.6% |
| US Government Agencies Debt Securities · Fair Value Measurements Recurring | 49,968 | 107,664 | -53.6% |
| US States And Political Subdivisions | 2,371,456 | 2,430,300 | -2.4% |
| US States And Political Subdivisions · Fair Value Measurements Recurring | 2,371,456 | 2,430,300 | -2.4% |
| US Treasury Securities | 2,257,713 | 1,585,179 | +42.4% |
| US Treasury Securities · Fair Value Measurements Recurring | 2,257,713 | 1,585,179 | +42.4% |
Show Fair Value By Measurement Basis breakouts |
|||
| Estimate Of Fair Value Fair Value Disclosure | 13,660,886 | 10,895,659 | +25.4% |
Show Fair Value By Measurement Frequency breakouts |
|||
| Fair Value Measurements Recurring | 13,660,886 | 10,895,659 | +25.4% |
| Fair Value Measurements Recurring · Collateralized Loan Obligations | 554,195 | 513,128 | +8.0% |
| Noninterest Bearing Deposit Liabilities | 17,041,696 | 18,431,854 | -7.5% |
| Interest Bearing Deposit Liabilities | 39,728,542 | 36,898,898 | +7.7% |
| Time Deposits Less Than250000 | 1,823,536 | 1,871,388 | -2.6% |
| Time Deposits250000 Or More | 1,386,982 | 1,319,038 | +5.2% |
| Deposits | 59,980,756 | 58,521,178 | +2.5% |
| Federal Funds Purchased And Securities Sold Under Agreements To Repurchase | 3,550,738 | 2,559,983 | +38.7% |
| Other Liabilities | 528,574 | 511,195 | +3.4% |
| Stockholders' Equity | |||
| Preferred Stock Value | 294,066 | 110,705 | +165.6% |
| Common Stock | 78,666 | 78,666 | 0.0% |
| Additional Paid In Capital Common Stock | 4,006,726 | 3,993,662 | +0.3% |
| Retained Earnings | 3,958,611 | 3,224,866 | +22.8% |
| Accumulated Other Comprehensive Income | -331,350 | -492,698 | +32.7% |
| Treasury Stock Value | -179,722 | -166,767 | -7.8% |
| Total Stockholders' Equity | 7,826,997 | 6,748,434 | +16.0% |
Show Equity Components breakouts |
|||
| Accumulated Other Comprehensive Income | -331,350 | -492,698 | +32.7% |
| Additional Paid In Capital | 4,006,726 | 3,993,662 | +0.3% |
| Common Stock | 78,666 | 78,666 | 0.0% |
| Preferred Stock | 294,066 | 110,705 | +165.6% |
| Retained Earnings | 3,958,611 | 3,224,866 | +22.8% |
| Treasury Stock Common | -179,722 | -166,767 | -7.8% |
| Total Liabilities & Equity | 72,674,161 | 69,347,313 | +4.8% |
Cash Flow Statement
| Metric | YTD Q1 2026 | YTD Q1 2025 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Net Accretion Of Premiums And Discounts From Acquisition | -45,184 | -26,435 | -70.9% |
| Depreciation And Amortization | 35,094 | 29,366 | +19.5% |
| Amortization of Financing Costs | 106 | 219 | -51.6% |
| Deferred Income Taxes | 21,123 | 16,710 | +26.4% |
| Increase Decrease In Trading Securities And Other Earning Assets | -1,874 | -6,928 | +73.0% |
| Debt And Equity Securities Gain Loss | -3,046 | 4,782 | -163.7% |
| Gain Loss On Disposition Of Assets1 | 919 | 18 | +5005.6% |
| Accretion Amortization Of Discounts And Premiums Investments | -2,935 | 5,126 | -157.3% |
| Payments For Origination And Purchases Of Loans Held For Sale | -28,967 | -18,279 | -58.5% |
| Gain Loss On Sale Of Loans And Leases | -706 | -453 | -55.8% |
| Proceeds From Sale Of Loans Held For Sale | 27,232 | 16,389 | +66.2% |
Show Financing Receivable Portfolio breakouts |
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| Consumer Real Estate [Member] | 27.2 | 16.4 | +65.9% |
| Stock-Based Compensation | 13,423 | 12,830 | +4.6% |
| Increase Decrease In Accrued Investment Income Receivable | 6,954 | 12,271 | -43.3% |
| Increase Decrease In Accrued Liabilities | -123,188 | -59,461 | -107.2% |
| Increase Decrease In Other Operating Capital Net | 173,884 | 209,533 | -17.0% |
| Net Cash from Operations | 361,273 | 363,021 | -0.5% |
| Investing Activities | |||
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 101,529 | 115,631 | -12.2% |
| Payments To Acquire Held To Maturity Securities | -74,398 | -9,049 | -722.2% |
| Proceeds From Sale Of Available For Sale Securities Debt | 51,771 | 611,423 | -91.5% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 532,468 | 386,343 | +37.8% |
| Purchases of Investments | -606,550 | -914,361 | +33.7% |
| Proceeds From Sale Of Equity Securities With Readily Determinable Fair Values | 20,431 | — | — |
| Payments To Acquire Equity Securities With Readily Determinable Fair Values | -105 | -291 | +63.9% |
| Proceeds From Sale Of Equity Securities Without Readily Determinable Fair Values | 7,708 | 40 | +19170.0% |
| Proceeds From Equity Securities Repayments And Calls Without Readily Determinable Fair Values | 9,901 | 8,210 | +20.6% |
| Payments To Acquire Equity Securities Without Readily Determinable Fair Values | -33,956 | -62,810 | +45.9% |
| Payment Of Tax Equity Investment Commitments | -22,684 | -21,871 | -3.7% |
| Payments For Proceeds From Loans And Leases | -1,346,054 | -481,826 | -179.4% |
| Proceeds From Payments For Federal Funds Sold And Securities Purchased Under Agreements To Resell Net | 23,424 | -91,069 | +125.7% |
| Proceeds From Payments For In Interest Bearing Deposits In Banks | -8,667 | 956,440 | -100.9% |
| Capital Expenditures | -4,517 | -8,823 | +48.8% |
| Net Cash from Investing | -1,349,699 | 663,204 | -303.5% |
| Transfer Of Loans To Other Real Estate Owned | 354 | 486 | -27.2% |
| Financing Activities | |||
| Increase Decrease In Demand And Savings Deposits | -125,690 | 1,533,318 | -108.2% |
| Increase Decrease In Time Deposits | -550,344 | -504,295 | -9.1% |
| Increase Decrease In Federal Funds Purchased And Securities Sold Under Agreements To Repurchase Net | 225,800 | -72,365 | +412.0% |
| Payments Of Dividends | -39,611 | -30,117 | -31.5% |
| Proceeds From Exercise Of Stock Options And Sales Of Treasury Share | 452 | 481 | -6.0% |
| Share Repurchases | -32,814 | -15,434 | -112.6% |
| Net Cash from Financing | -522,207 | 1,135,150 | -146.0% |
| Supplemental | |||
| Income Taxes Paid | -1,370 | 1,732 | -179.1% |
| Interest Paid | 345,994 | 326,798 | +5.9% |
| Other Cash Flow | |||
| Net Change in Cash | -1,510,633 | 2,161,375 | -169.9% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 6,261,340 | 10,610,066 | -41.0% |
Values in thousands USD. Source: SEC EDGAR 10-Q filing.