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 Bank UMB Bank Colorado, n. a. | U.S. |
| Kansas Bank UMB National Bank of America | U.S. |
| Nebraska Bank UMB Bank Omaha, n.a. | U.S. |
| Subsidiaries UMB Community Development Corporation | Missouri |
| UMB Consulting Services, Inc. | Missouri |
| UMB Properties, Inc. | Missouri |
| UMB, U.S.A. | Nebraska |
| United Missouri Insurance Company | Arizona |
| Sunstone Financial Group, Inc. | Wisconsin |
