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UMB as your Financial Partner for Business Banking

We will work for you and your business

We are ready to help you reach your goals with a partnership that keeps you and your business moving forward. See how we build relationships through the eyes of our clients.

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Learn why UMB should be your financial partner. We will work for you and your business.

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Focused on you

At UMB, your business is not just a number. We get to know you, your goals and your values so we can assist you throughout your business lifecycle.

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Strategic insight

We review your unique business needs and help you optimize your opportunities while strategically planning for the short- and long-term.

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Expertise and experience

Our team is made up of experienced professionals with deep technical knowledge, broad skill sets, and a robust understanding of the industries we serve and their unique needs.

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Take a look at some of our latest insights

  • Questions construction company ask bank

    Questions every construction company should ask its bank in 2026

    The Dallas–Fort Worth metroplex continues to be one of the nation’s most active construction markets ‡. From industrial developments and data centers to healthcare facilities, multifamily housing and public infrastructure, demand continues to create opportunities for contractors and subcontractors alike...

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  • life after business exit

    More than a sale: Planning for life after the business exit

    After spending decades building a company, many business owners imagine the sale itself as the finish line. The transaction closes, the wire payment arrives and years of hard work finally culminate in financial success. But for many business owners, the...

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  • business loans 101

    Business lending 101: What business loan is right for you?

    As the market changes, or new business opportunities surface, your business lending needs will likely shift. Whether you’re looking to grow or need financing to help cover current costs, it’s important to take time to find the solution that works...

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  • Protecting company employees retirement

    Protecting the company while supporting employees: A smarter approach to retirement plans

    For many business owners, offering a 401(k) or 403(b) plan is part of the benefits package—a necessary tool to attract and retain talent. What often gets overlooked is that sponsoring a retirement plan comes with significant fiduciary and regulatory responsibility...

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  • navigate economic uncertainty

    Strategies to help your small business navigate economic uncertainty

    In recognition of the more than 33 million small businesses in the U.S. and the nearly half of the American workforce they employ ‡, we are sharing helpful best practices to fine tune your business plan to weather economic shifts...

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UMB in the news

Across UMB, our associates are sharing their industry knowledge, earning recognition in their field and helping our customers succeed.

Review our media coverage

We're here for you in the Midwest. Contact us to set up a time to meet that's convenient for you.

More than a century of service

“For more than a century, UMB Bank has delivered comprehensive business banking services and asset management. The foundation of our business is building and maintaining full-service relationships based on our long-standing commitment to trust, integrity and quality.”

– Jim Rine, President and Chief Executive Officer of UMB Bank

MEET OUR LEADERS

Get to know who leads UMB

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Mariner Kemper smiling photo with tree and bank in background

Mariner Kemper

Chairman and Chief Executive Officer, UMB Financial Corporation
Mariner Kemper is chairman and chief executive officer of UMB Financial Corporation. He has been with the company for more than 30 years and has served and led in many roles.

Under Mariner’s leadership as CEO, UMB has grown from a $6.9 billion, Midwest-focused bank into a super-regional, financial services powerhouse with $73.1 billion in assets (Dec. 31, 2025).

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Jim Rine headshot

Jim Rine

President of UMB Financial Corporation and President and CEO of UMB Bank
James Rine (Jim) is president of UMB Financial Corporation and president and CEO of UMB Bank, n.a. As UMB Bank CEO, Jim is responsible for the bank’s revenue generation and operations, including commercial and personal banking, institutional services, wealth management, information and technology, and credit administration.

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Business financing and lending
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Treasury management
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Business checking and savings
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Cash flow strategies
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Payment services and credit cards
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Corporate trust and escrow agent
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Commercial real estate
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Fund administration
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Institutional investing

UMB Financial Corporation Overview

With our flat organization, we build solutions tailored specifically to the needs of our customers and their priorities. This attention to detail and our agile structure means more – more time, more efficiency and more connection with you.

View our latest financial fact sheets:

Reported earnings


Quarterly UMB Financial Corporation Fact Sheet

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We know how to serve you and your industry

Our specialized industry teams have deep technical and strategic knowledge of the challenges, needs and trends of their focus areas.

Explore our expertise