Name of Entity Organization

Incorporation or Jurisdiction of

Parent Ownership Percentage

UMB Financial Corporation (Registrant and Parent Company)

Missouri

UMB Bank, n.a.

United States

100

%

UMB Bank & Trust, n.a.

Missouri

100

%

UMB Capital Corporation

Missouri

100

%

UMB Banc Leasing Corporation

Missouri

100

%

UMB Trust Company of South Dakota

South Dakota

100

%

UMB Insurance, Inc.

Missouri

100

%

Kansas City Realty Company

Kansas

100

%

UMB Realty Company, LLC

Delaware

100

%

Kansas City Financial Corporation

Kansas

100

%

UMB Colorado Property, LLC

Colorado

100

%

Conifer Properties LLC

Missouri

100

%

Meridian AZ Properties, LLC

Delaware

100

%

SB&T Assets, LLC

Texas

100

%

UMB Foreign LLC

Delaware

100

%

UMBF Trust and Agency Services (Ireland) Limited

Dublin, Ireland

100

%

UMB Delaware, Inc.

Delaware

100

%

1268 South Jones Spring Lane, LLC

Missouri

100

%

UMBCDC, Inc.

Missouri

100

%

UMB Fund Services, Inc.

Wisconsin

100

%

UMB Distribution Services, LLC

Wisconsin

100

%

UMB Financial Services, Inc.

Missouri

100

%

UMB Asset Management, LLC

Delaware

100

%

UMB Family Wealth GP 1, LLC

Delaware

100

%

FW Motif LP

Delaware

UMB Family Wealth GP 1, LLC is the general partner

UMB Management Equity Holdings, Inc.

Delaware

100

%

UMB Merchant LLC

Delaware

100

%

UMB Family Wealth - KS Halite LLC

Delaware

100

%

UMB Family Wealth - FW Tessera Horizon LLC

Delaware

100

%

FW Tessera Horizon LLC

Delaware

UMB Family Wealth - FW Tessera Horizon LLC is the managing member

UMB Family Wealth - FW Tessera LLC

Delaware

100

%

FW Tessera LLC

Delaware

UMB Family Wealth - FW Tessera LLC is the managing member

UMB Family Wealth - FW Tessera Royale LLC

Delaware

100

%

FW Tessera Royale LLC

Delaware

UMB Family Wealth - FW Tessera Royale LLC is the managing member