UMB Financial (NasdaqGS:UMBF) Q4 2025 Earnings call January 28, 2026 09:30 AM ET Company ParticipantsChris McGratty - Managing Director and Head of U.S. Bank ResearchJim Rine - President of the holding company and CEO of UMB BankKay Gregory - Head of Investor RelationsMariner Kemper - Chairman and CEORam Shankar - CFOTimur Braziler - Director of Mid‑Cap Bank Equity ResearchConference Call ParticipantsBen Gerlinger - VP and Equity Research AnalystBrian Wilczynski - Research AnalystDavid Long - Managing Direc ...