ESOP · DOL Form 5500 · 2023

Umb Financial Corporation ESOP

Data updated 2026-08-25

$60M
Total assets Below avg plan size
2,637
Participants Above avg headcount
87th
Percentile by assets National rank
$22,587
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

$60M in assets, 2,637 participants

Umb Financial Corporation's ESOP of Umb reported $60M in total assets and 2,637 participants in its 2023 DOL Form 5500 filing, ranking in the 87th 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.

  • #7,127 in Finance & Insurance (8,869 peers)

Coverage in Missouri

ESOP of Umb covers 2,637 participants in Missouri, 3.6x the typical Missouri plan (state average ~737 per filing). Assets: $60M.

#7,127
in Finance & Insurance (8,869 peers)
-4.4%
assets change YoY
0.6×
vs typical plan assets (national mean)

The plan reported a net loss of $3M 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 2023 · DOL Form 5500

$59,562,805 Top 13% higher than 87% of 127,068 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 2023

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

Plan-year 2023 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. ESOP of Umb lands in the large band (2,637 participants).

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • ESOP of Umb reported net income rose from -$20M in the plan year 2022 filing to -$3M in the plan year 2023 filing.
  • ESOP of Umb reported participants fell from 2,951 in the plan year 2022 filing to 2,637 in the plan year 2023 filing.
  • ESOP of Umb end-of-year assets fell from $62M in the plan year 2022 filing to $60M in the plan year 2023 filing.

See the national 2022→2023 release diff →

EBSA filing schedule strip

Filing strip 430903811 · Umb Financial Corporation PY 2023 · ESOP

ESOP of Umb · $60M · 2,637 · 87th

  • BOY $60M
  • SCH 2,637
  • EBSA 87th
  • PART ESOP
  • TYPE near Ryan Lawn & Tree, Inc. Employee Stock Ownership Plan
  • NET ind #7127

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

Bartlett & West, Inc. Employee Stock Ownership PlanBartlett & West, Inc. Employ…$60MMetron, Inc. Employee Stock Ownership Plan and TrustMetron, Inc. Employee Stock …$60MRyan Lawn & Tree, Inc. Employee Stock Ownership PlanRyan Lawn & Tree, Inc. Emplo…$60MESOP of Umb$60MWo Partners Holdings, Inc. Employee Stock Ownership PlanWo Partners Holdings, Inc. E…$59M
End-of-year total assets ($M) among ESOP of Umb and nearest nationwide ESOP peers. Source: DOL Form 5500 plan year 2023.

Missouri filing particulars

Total Assets (Beginning of Year)$62M
Net Assets (End of Year)$60M
Net Income-$3M
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. 0200040006000800010000 -20246 Total assets ($B) Participants ESOP of Umb, Total assets ($B): 0.059562805 · Participants: 2637ESOP of UmbBurns & Mcdonnell, Inc. Employee Stock Ownership Plan, Total assets ($B): 4.708605759 · Participants: 8553Burns & Mcdonnell, Inc. Employee Stock Ownership PlanMccarthy Employee Stock Ownership Plan, Total assets ($B): 1.489427066 · Participants: 3651Mccarthy Employee Stock Ownership PlanArco DB Companies, Inc. Employee Stock Ownership Plan, Total assets ($B): 0.442677383 · Participants: 560Arco DB Companies, Inc. Employee Stock Ownership PlanJe Dunn Employee Stock Ownership Plan and Trust, Total assets ($B): 0.429385855 · Participants: 2457Je Dunn Employee Stock Ownership Plan and TrustEmery Sapp Employee Stock Ownership Plan, Total assets ($B): 0.312725972 · Participants: 1947Emery Sapp Employee Stock Ownership Plan
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 Ryan Lawn & Tree, Inc. Employee Stock Ownership Plan in KS ($60M); by covered participants it is Telecare Employee Stock Ownership Plan in CA (2,696 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (2,637 participants); asset peers above are excluded.

DOL Form 5500 plan year 2023. 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 2023? ▼
ESOP of Umb edged down modestly - down 4.4% during 2023, from $62M to $60M. Reported net income was -$3M.
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 87th percentile by end-of-year assets among 127,072 plans that reported assets for plan year 2023 (in the top quartile 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 Ryan Lawn & Tree, Inc. Employee Stock Ownership Plan in KS ($60M, 370 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 Telecare Employee Stock Ownership Plan in CA (2,696 participants, $77M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2023.

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.