ESOP · DOL Form 5500 · 2022

Umb Financial Corporation ESOP

Data updated 2026-08-25

$62M
Total assets Below avg plan size
2,951
Participants Above avg headcount
90th
Percentile by assets National rank
$21,119
Avg per participant Low balance/head
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Official DOL plan name: ESOP of Umb · Sponsored by Umb Financial Corporation · Missouri · Finance & Insurance

$62M in assets, 2,951 participants

Umb Financial Corporation's ESOP of Umb reported $62M in total assets and 2,951 participants in its 2022 DOL Form 5500 filing, ranking in the 90th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #7,727 in Finance & Insurance (9,261 peers)

Coverage in Missouri

ESOP of Umb covers 2,951 participants in Missouri, 4.0x the typical Missouri plan (state average ~737 per filing). Assets: $62M.

#7,727
in Finance & Insurance (9,261 peers)
-24.3%
assets change YoY
0.6×
vs typical plan assets (national mean)

The plan reported a net loss of $20M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

ESOP of Umb's outsized position by total assets

ESOP of Umb vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$62,321,604 Top 10% higher than 90% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

ESOP of Umb's large-plan peer group by participant headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. ESOP of Umb lands in the large band (2,951 participants).

Published 5500 schedule card

Filing strip 430903811 · Umb Financial Corporation PY 2022 · ESOP

ESOP of Umb · $62M · 2,951 · 90th

  • PCT $62M
  • EIN 2,951
  • RANK 90th
  • PHOTO ESOP
  • IND near Pioneer Cladding & Glazing Systems, Inc. Employee Stock Ownership Plan
  • EOY ind #7727

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with What is an ESOP? → · Plans in Missouri →

ESOP of Umb in the asset neighbourhood

Arete Associates Employee Stock Ownership PlanArete Associates Employee St…$63MPioneer Cladding & Glazing Systems, Inc. Employee Stock Ownership PlanPioneer Cladding & Glazing S…$62MESOP of Umb$62MTeichert, Inc. Stock Bonus PlanTeichert, Inc. Stock Bonus P…$62MPittsburg Tank & Tower Group, Inc. Employee Stock Ownership PlanPittsburg Tank & Tower Group…$62M
End-of-year total assets ($M) among ESOP of Umb and nearest nationwide ESOP peers. Source: DOL Form 5500 plan year 2022.

Missouri filing particulars

Total Assets (Beginning of Year)$82M
Net Assets (End of Year)$62M
Net Income-$20M
Employer EIN430903811
Plan Effective Date1978-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Umb Financial Corporation)

Sponsor-wide plan assets over time

All Umb Financial Corporation plans reported in each filing year

Latest sponsor-wide plan assets
$789M 38.54164397805505% vs 2022
2024 filing year
$500M$600M$700M$800M$900M 202220232024 $569M $789M ▲ +38.5%
Year Plans Participants Total Assets
2022 2 6,362 $569M
2023 2 6,283 $675M
2024 2 7,271 $789M

Nearby ESOP Plans in Missouri

Peer ESOP plans, same state, same plan type, ranked by total assets.

ESOP of Umb vs. nearby ESOP plans in Missouri, assets vs. participants Scatter plot of 6 data points. 02000400060008000 -1012345 Total assets ($B) Participants ESOP of Umb, Total assets ($B): 0.062321604 · Participants: 2951ESOP of UmbBurns & Mcdonnell, Inc. Employee Stock Ownership Plan, Total assets ($B): 3.96136732 · Participants: 7358Burns & Mcdonnell, Inc. Employee Stock Ownership PlanMccarthy Employee Stock Ownership Plan, Total assets ($B): 1.201297589 · Participants: 3252Mccarthy Employee Stock Ownership PlanArco DB Companies, Inc. Employee Stock Ownership Plan, Total assets ($B): 0.353124189 · Participants: 432Arco DB Companies, Inc. Employee Stock Ownership PlanJe Dunn Employee Stock Ownership Plan and Trust, Total assets ($B): 0.332246957 · Participants: 2641Je Dunn Employee Stock Ownership Plan and TrustSrc Employee Stock Ownership Plan and Trust, Total assets ($B): 0.238180744 · Participants: 1388Src Employee Stock Ownership Plan and Trust
ESOP of Umb vs. nearby ESOP plans in Missouri, assets vs. participants
Compare ESOP of Umb side-by-side with 3 peers →

ESOP of Umb's out-of-state ESOP peers by assets and headcount

Outside Missouri, the nearest ESOP by assets is Pioneer Cladding & Glazing Systems, Inc. Employee Stock Ownership Plan in OH ($62M); by covered participants it is Employees' Stock Ownership Plan of Cenlar Capital Corporation in NJ (2,955 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (2,951 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did ESOP of Umb assets move in 2022? ▼
ESOP of Umb declined sharply - down 24.3% during 2022, from $82M to $62M. Reported net income was -$20M.
How have Umb Financial Corporation plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Umb Financial Corporation's sponsor-wide assets grew 38.5%, from $569M to $789M.
Where does ESOP of Umb rank by assets among Form 5500 filers? ▼
ESOP of Umb ranks in the 90th percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top 10% of all filed plans by assets).
Which ESOP plans are similar in size to ESOP of Umb? ▼
Among ESOP plans in other states, the closest by assets is Pioneer Cladding & Glazing Systems, Inc. Employee Stock Ownership Plan in OH ($62M, 138 participants).
Which ESOP plans cover a similar participant headcount to ESOP of Umb? ▼
Among ESOP plans in other states, the closest by covered participants is Employees' Stock Ownership Plan of Cenlar Capital Corporation in NJ (2,955 participants, $70M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 430903811.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.