EXHIBIT 21

SUBSIDIARIES OF UMB FINANCIAL CORPORATION

December 31, 2011

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%
			a.	UMB Colorado Property, LLC Colorado		Colorado
					UMB Bank Colorado, n.a. 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 Kansas City Realty Company owns 100%	Delaware
			5.	United Missouri Insurance Company		Arizona
				UMB Financial Corporation owns 100%
			6.	Scout Investments, Inc.		Missouri
				UMB Financial Corporation owns 100%

Name of Entity Organization				Incorporation or Jurisdiction of
	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
			UMBFund Services, Inc. owns 100%
		b.      Grand Distribution Services, LLC		Wisconsin
			UMBFund Services, Inc. owns 100%
		c.      J.D. Clark & Company		Utah
			UMBFund 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
			UMBMerchant Banc, LLC owns 100%
		b.      PCM Capital – Diversified Strategies, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		c.      PCM Capital – Longshort Equity, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		d.      PCM Capital – Management Equity Fund I, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		e.      PCM Capital – Private Equity Co-Investment I, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		f.       PCM Capital – Private Equity, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		g.      PCM Capital – Private Equity II, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		h.      PCM Capital – Private Equity III, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		i.       PCM Capital – Select Managers Fund, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		j.       PCM Capital – Spartan Co-Invest, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		k.      PCM Capital – Strategic Small Mid Cap, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%
		l.       PCM Capital – Tech Investments, LLC		Missouri
			UMBMerchant Banc, LLC owns 100%

Name of Entity Organization			Incorporation or Jurisdiction of
	m.     PCM Capital – Plains Co-Invest, LLC		Missouri
		UMBMerchant Banc, LLC owns 100%
	n.      PCM Capital – SQ Opportunity Fund, LLC		Missouri
		UMBMerchant Banc, LLC owns 100%
	o.      PCM Capital – CEC Opportunity, LLC		Missouri
		UMBMerchant Banc, LLC owns 100%