UMB Financial Corporation (UMBF) Q2 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

with Investor Relations. Kay, please proceed. Good morning and welcome to our second quarter 2025 call. Mariner Kemper, Chairman and CEO, and Ram Chauher, CFO, will share a few comments about our results and we will open the call for questions from our equity research analysts. Jim Rine, President of the Holding Company and CEO of UMB Bank, along with Tom Terry, Chief Credit Officer, will be available for the question and answer session. Before we begin, let me remind you that today's presentation contains forward-looking statements, including the discussion of future financial and operating results, benefits, synergies, gains, and costs that the company expects to realize from the acquisition, as well as other opportunities management foresees. Forward-looking statements and any pro forma metrics are subject to assumptions, risks, and uncertainties as outlined in our SEC filings and summarized in our presentation on slide 50. Actual results may differ from those set forth in forward-looking statements, which speak only as of today. We undertake no obligation to update them, except to the extent required by securities laws. Presentation materials are available online at .umb.com and include reconciliations of non-GAAP financial measures. All per share metrics refer to common and are on a diluted share basis. Now I'll turn the call over to Mariner Kemper. Thank you, Kay, and good morning, everyone. Thank you for joining us to discuss our second quarter results. We'll share some brief comments and open up for questions. Compared to 90 days ago, the business environment and economic landscape remains positive, as perceived real headwinds post-liberation day have largely subsided. While there are still some uncertainties ever brewing geopolitical tension, the sticker sho...