EXHIBIT 21 TO FORM 10-K UMB FINANCIAL CORPORATION Subsidiaries of the Registrant Subsidiary Jurisdiction of ---------- Organization --------------- Western Missouri Banks UMB Bank, n.a. (Kansas City) U.S. UMB Bank, Cass County (Peculiar) Missouri UMB Bank Northwest (St. Joseph) Missouri Eastern Missouri and Illinois Banks UMB Bank of St. Louis, n.a. U.S. UMB Bank, Northwest (Monroe City) Missouri UMB First State Bank of Morrisonville (Illinois) Illinois Southwestern Missouri Banks UMB Bank, Southwest (Springfield) Missouri UMB Bank, Warsaw Missouri Central Missouri Banks UMB Bank, Boonville Missouri UMB Bank, Jefferson City Missouri UMB Bank, North Central (Brookfield) Missouri UMB Bank, Warrensburg Missouri Colorado Bank UMB Bank Colorado Colorado Kansas Bank UMB National Bank of America U.S. Nebraska Bank UMB Bank Omaha, n.a. U.S. Oklahoma Bank UMB Oklahoma Bank Oklahoma 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 UMB Missouri Insurance Company Arizona Tiered Bank Holding Companies Valley Bank Holding Co. Colorado First Sooner Bancshares, Inc. Oklahoma