Umb Financial Corporation · NASDAQ:UMBF
Umb Financial — Merger or Acquisition (October 2026)
8 slides from Umb Financial's merger presentation, Oct 27, 2026
Slide 1: UMB Acquisition of El Dorado Savings Bank
UMB Acquisition of El Dorado Savings Bank Strategically Compelling Low-Cost Deposit Franchise October 27, 2026
Slide 2: Disclaimer: Cautionary Note Regarding Forward-Looking Statements
Disclaimer Cautionary Note Regarding Forward-Looking Statements This presentation may contain “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amen
Slide 3: Disclaimer - Continued
Disclaimer - Continued These factors are not necessarily all of the factors that could cause UMB’s, El Dorado’s or the combined company’s actual results, performance, or achievements to differ materially from those expressed in or implied by any of the forward-looking statements. Other factors, incl
Slide 4: Strategically Compelling Acquisition
Strategically Compelling Acquisition of El Dorado Savings Bank Ability to leverage El Dorado’s significant excess liquidity Accelerates scale into attractive California markets and expands footprint into Nevada Low execution risk driven by pristine balance sheet, strong cultures, and UMB’s proven ac
Slide 5: El Dorado Overview
Overview of El Dorado Savings Bank Placerville HQ Reno Carson City Sacramento San Francisco San Jose Sacramento Los Angeles San Diego California Nevada Fresno Salinas San Luis Obispo UMB El Dorado $2.4B Earning Assets $2.1B Total Deposits San Andreas, CA Sparks, NV Company Highlights Balance Sheet C
Slide 6: Low-Cost Deposit Franchise Driven by Long-Term Relationships
Low-Cost Deposit Franchise Driven by Long-Term Relationships El Dorado El Dorado’s 2Q ’26 cost of deposits shown for comparison purposes – El Dorado’s 3Q ’26 cost of deposits improved to 0.88% 3.88% 1.85% 1.79% 0.88% El Dorado Total Market El Dorado Deposits El Dorado Deposits Fed Market Rank (4) ($
Slide 7: Launches UMB Into Some of the Most Desirable Markets in California and Nevada
Launches UMB Into Some of the Most Desirable Markets in California and Nevada Greater Sacramento Region (1) Douglas and Washoe Counties (Nevada) Sacramento Reno Capital of California and one of the largest rail hubs in N. America Top 5 California MSA by population (US Census Bureau) Sacramento named
Slide 8: Transaction Summary
Transaction Summary Consideration: 48% stock / 52% cash Exchange ratio: Fixed exchange ratio of 13.553x UMB shares for each El Dorado share plus $1,958.88 in cash for each El Dorado share Pro forma ownership: 98% UMB | 2% El Dorado Transaction Structure Transaction Value & Multiples $506MM Deal Valu