Exhibit 21

SUBSIDIARIES OF UMB FINANCIAL CORPORATION

December 31, 2010

Name of Entity			Organization			Incorporation or Jurisdiction of
	A.	Registrant and Parent Company
		UMB Financial Corporation				Missouri
	B.	Subsidiaries of Registrant
		1.	UMB National Bank of America			United States
				UMB Financial Corporation owns 100%
		2.	UMB Bank Colorado, n.a.			United States
				UMB Financial Corporation owns 100%
		3.	UMB Bank Arizona, n.a.			United States
				UMB Financial Corporation owns 100%
		4.	UMB Bank, n.a.			United States
				UMB Financial Corporation owns 100%
				a.	Kansas City Financial Corporation	Kansas
					UMB Bank, n.a. owns 100%
				b.	UMB Bank & Trust, n.a.	Missouri
					UMB Bank, n.a. owns 100%
				c.	UMB Capital Corporation	Missouri
					UMB Bank, n.a. owns 100%
				d.	UMB Redevelopment Corporation	Missouri
					UMB Bank, n.a. owns 100%
				e.	UMB Banc Leasing Corporation	Missouri
					UMB Bank, n.a. owns 100%
				f.	UMB Trust Company of South Dakota	South Dakota
					UMB Bank, n.a. owns 100%

		g.	UMB Financial Services, Inc.	Missouri
			UMB Bank, n.a. owns 100%
		h.	UMB Insurance, Inc.	Missouri
			UMB Bank, n.a. owns 100%
		i.	Kansas City Realty Company	Kansas
			UMB Bank, n.a. owns 100%
			1)      UMB Realty Company, LLC	Delaware
			Kansas City Realty Company owns 100%
5.	United Missouri Insurance Company			Arizona
		UMB Financial Corporation owns 100%
6.	Scout Investments, Inc.			Missouri
		UMB Financial Corporation owns 100%
7.	UMBCDC, Inc.			Missouri
		UMB Financial Corporation owns 100%
8.	Scout Distributors, LLC			Missouri
		UMB Financial Corporation owns 100%
9.	UMB Fund Services, Inc.			Wisconsin
		UMB Financial Corporation owns 100%
		a.	UMB Distribution Services, LLC	Wisconsin
			UMB Financial Services, Inc. owns 100%
		b.	Grand Avenue Distribution Services, LLC	Wisconsin
			UMB Financial Services, Inc. owns 100%
		c.	J.D. Clark & Company	Utah
			UMB Financial Services, Inc. owns 100%
10.	Prairie Capital Management, LLC			Missouri
		UMB Financial Corporation owns 100%
11.	UMB Merchant Banc, LLC			Missouri
		UMB Financial Corporation owns 100%
		a.	PCM Capital – Concentrated Global LS Equity, LLC	Missouri
			UMB Merchant Banc, LLC owns 100%
		b.	PCM Capital – Diversified Strategies, LLC	Missouri
			UMB Merchant Banc, LLC owns 100%

c.	PCM Capital – Longshort Equity, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
d.	PCM Capital – Management Equity Fund I, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
e.	PCM Capital – Private Equity Co-Investment I, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
f.	PCM Capital – Private Equity, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
g.	PCM Capital – Private Equity II, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
h.	PCM Capital – Private Equity III, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
i.	PCM Capital – Select Managers Fund, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
j.	PCM Capital – Spartan Co-Invest, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
k.	PCM Capital – Strategic Small Mid Cap, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
l.	PCM Capital – Tech Investments, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
m.	PCM Capital – Plains Co-Invest, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%
n.	PCM Capital – Opportunity Fund, LLC	Missouri
	UMB Merchant Banc, LLC owns 100%