UMB Financial Corporation (UMBF)

Regional bank, 5,222 full-time equivalents, all U.S. Read October 20, 2026 from the annual report for the period ending December 31, 2025, filed February 26, 2026. Ranked 33 of the 120 Financial Services companies read so far, by the share within reach now.

The filing states 5,222 full-time equivalent associates across the country in one banking business with nothing by line, so one bank pattern carries the workforce.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 40% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

5,222 employees as of December 31, 2025 (full-time equivalent). The filing counts its associates across the country and describes no operations abroad (recorded as 1, flagged).

The filing: “On a full-time equivalent basis on December 31, 2025, the Company and its subsidiaries employed 5,222 associates across the country.”

The workforce as industry patterns

What the filing says about the workforce: 5,222 full-time equivalents, against 3,698 a year earlier; nearly 20% take part in business resource groups.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
• Citigroup (C, 226,000 employees)38% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
• Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028

What the filing says about AI

7 sentences in the filing name AI. The filing names AI among the privacy and data laws it is subject to and among operational risks, including the integration of AI with its systems and the controls it must maintain for it.

• “The Company is subject to a variety of complex and continuously evolving and developing laws, regulations, rules, standards and contractual obligations regarding privacy, data protection/use and data security, including those related to the collection, storage, handling, use, disclosure, transfer, security, integration with artificial intelligence and other processing of personal information.”
• “This gives rise to meaningful operational 23 risk-including the risk of fraud by employees or outside parties, unauthorized access to the Company's premises or systems, errors in processing, use of or integration with artificial intelligence, failures of technology, breaches of internal controls or compliance safeguards, malware and other security or hacking incidents, inadequate integration of...”
• “The Company must successfully develop and maintain information, financial reporting, disclosure, privacy, data protection, data security, artificial intelligence, and other controls adapted to the Company's reliance on outside platforms and providers.”
• “In addition, service providers or solutions utilizing artificial intelligence are subject to uncertain and evolving laws and regulations, unique data, confidentiality and privacy risks, and the potential for unexpected operational results that are not insignificant.”
• “Despite reasonable efforts, the Company's risk management framework may not be sufficiently effective in managing the risk of artificial intelligence usage, which could result in significant operational, financial, legal and reputational risk for the Company.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20231median 1
• Fiscal 20241median 4
• Fiscal 20257median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The count is full-time equivalents (rule 2).
• The U.S. share is recorded as 1 because the filing describes only operations across the country; it states no count by country.
• The headcount rose from 3,698 to 5,222 in the year; the excerpt states no cause.

Source: the company's annual report on EDGAR, accession 0001193125-26-076496, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.