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It’s official: after more than 200 years in production, the U.S. government has stopped making pennies ‡, citing cost savings as the primary motivation. Key facts On November 12, 2025, the U.S. minted its final order of pennies. Although the...

Employee stock ownership programs (ESOPs) are not a new concept, but like many proven ideas, they are currently experiencing renewed momentum. We are seeing interest in ESOPs across UMB’s footprint, particularly in larger metropolitan areas, including the Dallas Fort-Worth region...

Amid global supply chain interruptions, higher-for-longer interest rates and consumer inflation, who you bank with is more important than ever. A banking relationship is more than the sum of its transactions; it’s a trust that impacts your success and helps...

The only constant in life is change. Nothing stays the same, even for companies that have been established for decades. With that reality, business owners tend to closely watch how market conditions affect business operations. The past few years have...

One of the most important teammates you’ll have in your farming or ranching operation is your bank, but what makes a good agriculture bank and lender? Building and maintaining a strong relationship with your banker is critical in the ag...