ESOP · DOL Form 5500 · 2024

Umb Financial Corporation ESOP

Data updated 2026-08-25

$71M
Total assets Below avg plan size
3,698
Participants Above avg headcount
88th
Percentile by assets National rank
$19,308
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

$71M in assets, 3,698 participants

Umb Financial Corporation's ESOP of Umb reported $71M in total assets and 3,698 participants in its 2024 DOL Form 5500 filing, ranking in the 88th 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.

  • #6,929 in Finance & Insurance (8,549 peers)

Coverage in Missouri

ESOP of Umb covers 3,698 participants in Missouri, 5.0x the typical Missouri plan (state average ~737 per filing). Assets: $71M.

#6,929
in Finance & Insurance (8,549 peers)
+19.9%
assets growth YoY
0.7×
vs typical plan assets (national mean)

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 2024 · DOL Form 5500

$71,399,368 Top 12% higher than 88% of 123,620 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 2024

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

Plan-year 2024 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. ESOP of Umb lands in the large band (3,698 participants).

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • ESOP of Umb reported net income rose from -$3M in the plan year 2023 filing to $13M in the plan year 2024 filing.
  • ESOP of Umb reported participants rose from 2,637 in the plan year 2023 filing to 3,698 in the plan year 2024 filing.
  • ESOP of Umb end-of-year assets rose from $60M in the plan year 2023 filing to $71M in the plan year 2024 filing.

See the national 2023→2024 release diff →

Plan-year Form 5500 strip

Filing strip 430903811 · Umb Financial Corporation PY 2024 · ESOP

ESOP of Umb · $71M · 3,698 · 88th

  • ASSETS $71M
  • PCT 3,698
  • EIN 88th
  • RANK ESOP
  • PHOTO near Newport Harbor Corporation Employee Stock Ownership Plan
  • IND ind #6929

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

Mid-Hudson Cablevision Holdings, Inc Employee Stock Ownership PlanMid-Hudson Cablevision Holdi…$72MBonitz, Inc. Employee Stock Ownership PlanBonitz, Inc. Employee Stock …$72MESOP of Umb$71MNewport Harbor Corporation Employee Stock Ownership PlanNewport Harbor Corporation E…$71MRedner's Employees Profit Sharing and Stock Ownership PlanRedner's Employees Profit Sh…$71M
End-of-year total assets ($M) among ESOP of Umb and nearest nationwide ESOP peers. Source: DOL Form 5500 plan year 2024.

Missouri filing particulars

Total Assets (Beginning of Year)$60M
Net Assets (End of Year)$71M
Net Income$13M
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. 050001000015000 -20246 Total assets ($B) Participants ESOP of Umb, Total assets ($B): 0.071399368 · Participants: 3698ESOP of UmbBurns & Mcdonnell, Inc. Employee Stock Ownership Plan, Total assets ($B): 5.463861407 · Participants: 9902Burns & Mcdonnell, Inc. Employee Stock Ownership PlanMccarthy Employee Stock Ownership Plan, Total assets ($B): 1.845491185 · Participants: 2983Mccarthy Employee Stock Ownership PlanJe Dunn Employee Stock Ownership Plan and Trust, Total assets ($B): 0.620590539 · Participants: 2825Je Dunn Employee Stock Ownership Plan and TrustArco DB Companies, Inc. Employee Stock Ownership Plan, Total assets ($B): 0.514271888 · Participants: 608Arco DB Companies, Inc. Employee Stock Ownership PlanEmery Sapp Employee Stock Ownership Plan, Total assets ($B): 0.399783698 · Participants: 2184Emery 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 Newport Harbor Corporation Employee Stock Ownership Plan in RI ($71M); by covered participants it is Acadian Ambulance Service, Inc. Employee Stock Ownership Plan in LA (3,705 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (3,698 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. 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 2024? ▼
ESOP of Umb grew sharply - up 19.9% during 2024, from $60M to $71M. Reported net income was $13M.
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 88th percentile by end-of-year assets among 123,622 plans that reported assets for plan year 2024 (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 Newport Harbor Corporation Employee Stock Ownership Plan in RI ($71M, 1,124 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 Acadian Ambulance Service, Inc. Employee Stock Ownership Plan in LA (3,705 participants, $528M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

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.