| EXHIBIT 21 TO FORM 10-K UMB FINANCIAL CORPORATION Subsidiaries of the Registrant |
| Subsidiary | Jurisdiction of Organization |
Missouri Banks UMB Bank, n.a. (Kansas City) | U.S. |
| UMB Bank, Warsaw | Missouri |
Colorado Banks UMB Bank Colorado, n. a. | U.S. |
Kansas Banks UMB National Bank of America | U.S. |
Nebraska Banks UMB Bank Omaha, n.a. | U.S. |
Banking-Related Subsidiaries UMB Community Development Corporation | Missouri |
| UMB Consulting Services, Inc. | Missouri |
| UMB Data Corporation | Missouri |
| UMB Properties, Inc. | Missouri |
| UMB, U.S.A. | Nebraska |
| United Missouri Insurance Company | Arizona |
