UMB Financial (UMBF) M&A Presentation summary

Strategic rationale

• Adds 35 branches across California and Nevada, expanding the West Coast footprint and presence in Sacramento, the Sierra Nevada, Lake Tahoe and Reno.

• El Dorado’s 3Q’26 deposit cost was 0.88%; deposits averaged $60M per branch and ~$25k per account.

• 89% of deposits were FDIC-insured, the top 20 relationships represented 3% of deposits, and brokered deposits were 0%; average account age was 14 years, excluding CDs.

• A 24% loan-to-deposit ratio and 54.59% CET1 ratio support significant excess liquidity; cash and securities represented 22% and 56% of assets, respectively.

• 95% of the bond portfolio comprised government-backed GSE RMBS with a 4.2-year average life; NPAs/assets were 0.04% and 10-year average NCOs were 0.01%.

El Dorado profile

• Founded in 1958 and headquartered in Placerville, California, El Dorado operates 35 branches across the Sacramento metro area, Sierra Nevada foothills and Lake Tahoe communities.

• At 9/30/26, El Dorado had $2.4B in assets, $0.5B in loans and $2.1B in deposits; NPAs/assets were 0.04% and the loan-to-deposit ratio was 24%.

• Deposit mix included 16% DDA, 27% NOW and other transaction accounts, 29% savings and MMDA, and 20% retail time deposits; total and interest-bearing deposit costs were 0.88% and 1.04%.

Market footprint

• Greater Sacramento had 2.47M residents, 17 branches and $1.1B in El Dorado deposits; El Dorado ranked #4 by market share, with projected 2026–2031 population growth of 1.6%.

• Douglas and Washoe counties had 562,657 residents, four branches and $136M in El Dorado deposits; El Dorado ranked #6, with projected 2026–2031 population growth of 3.5%.