Operator

Hello, and welcome to the Annual Meeting of Shareholders of UMB Financial Corporation. Please note that today's meeting is being recorded. [Operator Instructions]. It is now my pleasure to turn today's meeting over to Mariner Kemper, UMB's Chairman and Chief Executive Officer. Mr. Kemper, the floor is yours.

J. Kemper
Chairman & CEO

Good morning, and thank you all for joining us virtually today for our Annual Meeting of Shareholders. While we just ended the first quarter, this meeting typically looks back at the performance of the prior year. 2025 was a milestone year for UMB, marking the successful completion of our acquisition of Heartland Financial, our largest to date.

From announcement in the spring of 2024 to the full system conversion in October of '25, both UMB and Heartland teams worked tirelessly to create a seamless experience for our customers. We've experienced strong early growth from our teams in the new markets, and we expect the growth to continue now that the operating companies are together as one. Additionally, in 2025, we saw the opening of our first branch in Utah, posted significant improvements in profitability metrics and solid growth on both sides of the balance sheet. Importantly, these results were achieved while maintaining our unwavering focus on asset quality metrics.

We've included a couple of additional slides in our presentation about our 2025 performance, and you can review those slides for a few more highlights. We plan to release our first quarter results after market hours closed today, and we'll have our call with investors -- the investor community tomorrow morning. As excited as I am to talk about our recent performance, this morning's remarks and Q&A will