Exhibit 21.1

SUBSIDIARIES OF UMB FINANCIAL CORPORATION

December 31, 2019

Name of Entity Organization	Incorporation or Jurisdiction of	Parent Ownership Percentage			Trade Names
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	%
Marquette Business Credit, LLC	Delaware		100	%	Also does business under the names of:  (A) Park Cities Auditing and (B) Park Cities Verifications
Marquette Business Credit SPE I, LLC	Minnesota		100	%
Marquette Transportation Finance, LLC	Missouri		100	%	Also does business under the name of Marquette Commercial Finance
Meridian AZ Properties, LLC	Delaware		100	%
9700, LLC	Virginia		100	%
SB&T Assets, LLC	Texas		100	%
United Missouri Insurance Company	Arizona		100	%
UMBCDC, Inc.	Missouri		100	%
UMB Fund Services, Inc.	Wisconsin		100	%
UMB Distribution Services, LLC	Wisconsin		100	%
UMB Financial Services, Inc.	Missouri		100	%
Prairie Capital Management, LLC	Missouri		100	%
UMB Family Wealth, LLC	Missouri		100	%
UMB Management Equity Holdings, Inc.	Missouri		100	%
UMB Management Equity PE I, LP	Missouri		0.5	%
UMB Management Equity PE II, LP	Missouri		0.5	%
UMB Management Equity HF, LP	Missouri		0.5	%
UMB Merchant Banc, LLC	Missouri		100	%
UMB Management Equity PE I, LP	Missouri		99.5	%
PCM Capital - Private Equity III LLC	Delaware		100	%
Flint Hills Private Equity III L.P.	Delaware	PCM Capital - Private Equity III LLC is general partner
PCM Capital - Credit Opportunities LLC	Delaware		100	%

Flint Hills Credit Opportunities L.P.	Delaware	PCM Capital - Credit Opportunities LLC is general partner
PCM Capital - Woodford Co-Invest LLC	Delaware		100	%
Flint Hills Woodford Co-Invest L.P.	Delaware	PCM Capital - Woodford Co-Invest LLC is general partner
PCM Capital - Private Equity IV LLC	Delaware		100	%
Flint Hills Private Equity IV L.P.	Delaware	PCM Capital - Private Equity IV LLC is general partner
PCM Capital - Permian Co-Invest LLC	Delaware		100	%
Flint Hills Permian Co-Invest L.P.	Delaware	PCM Capital - Permian Co-Invest LLC is general partner
PCM Capital - CEC Opportunity II LLC	Delaware		100	%
Flint Hills CEC Opportunity II L.P.	Delaware	PCM Capital - CEC Opportunity II LLC is general partner
PCM Capital - Credit Opportunities II LLC	Delaware		100	%
Flint Hills Credit Opportunities II L.P.	Delaware	PCM Capital - Credit Opportunities II LLC is general partner
PCM Capital - Kissner Co-Invest LLC	Delaware		100	%
Flint Hills Kissner Co-Invest L.P.	Delaware	PCM Capital - Kissner Co-Invest LLC is general partner
PCM Capital - BH New Opportunity 2015 Co-Invest Fund LLC	Delaware		100	%
Flint Hills BH New Opportunity 2015 Co-Invest Fund L.P.	Delaware	PCM Capital - BH New Opportunity 2015 Co-Invest Fund LLC is general partner
PCM Capital - Traverse Midstream Co-Invest LLC	Delaware		100	%
Flint Hills Traverse Midstream Co-Invest L.P.	Delaware	PCM Capital - Traverse Midstream Co-Invest LLC is general partner
PCM Capital - EMG Opportunity II LLC	Delaware		100	%
Flint Hills EMG Opportunity II L.P.	Delaware	PCM Capital - EMG Opportunity II LLC is general partner
PCM Capital - Venture Opportunities LLC	Delaware		100	%
Flint Hills Venture Opportunities L.P.	Delaware	PCM Capital - Venture Opportunities LLC is general partner
PCM Capital - Permian Co-Invest II LLC	Delaware		100	%
Flint Hills Permian Co-Invest II L.P.	Delaware	PCM Capital - Permian Co-Invest II LLC is general partner

PCM Capital - BH New Opportunity 2016 Co-Invest Fund LLC	Delaware		100	%
Flint Hills BH New Opportunity 2016 Co-Invest Fund L.P.	Delaware	PCM Capital - BH New Opportunity 2016 Co-Invest Fund LLC is general partner
PCM Capital - Private Equity V LLC	Delaware		100	%
Flint Hills Private Equity V L.P.	Delaware	PCM Capital - Private Equity V LLC is general partner
PCM Capital - Credit Opportunities III LLC	Delaware		100	%
Flint Hills Credit Opportunities III L.P.	Delaware	PCM Capital - Credit Opportunities III LLC is general partner
PCM Capital - Ascent Co-Invest II LLC	Delaware		100	%
Flint Hills Ascent Co-Invest II L.P.	Delaware	PCM Capital - Ascent Co-Invest II LLC is general partner
PCM Capital - Permian Co-Invest III LLC	Delaware		100	%
Flint Hills Permian Co-Invest III L.P.	Delaware	PCM Capital - Permian Co-Invest III LLC is general partner
PCM Capital - Founders II LLC	Delaware		100	%
Flint Hills Founders II L.P.	Delaware	PCM Capital - Founders II LLC is general partner
PCM Capital - Cybersecurity LLC	Delaware		100	%
Flint Hills Cybersecurity L.P.	Delaware	PCM Capital - Cybersecurity LLC is general partner
PCM Capital - Elliott Co-Invest LLC	Delaware		100	%
Flint Hills Elliott Co-Invest L.P.	Delaware	PCM Capital - Elliott Co-Invest LLC is general partner
PCM Capital - Permian Co-Invest IV LLC	Delaware		100	%
Flint Hills Permian Co-Invest IV L.P.	Delaware	PCM Capital - Permian Co-Invest IV LLC is general partner
PCM Capital - PCM Fund II LLC	Delaware		100	%
Flint Hills PCM Fund II L.P.	Delaware	PCM Capital - PCM Fund II LLC is general partner
PCM Capital - Private Equity VI LLC	Delaware		100	%
Flint Hills Private Equity VI L.P.	Delaware	PCM Capital - Private Equity VI LLC is general partner
UMB Management Equity PE II, LP	Missouri		99.5	%
PCM Capital - Plains Co-Invest LLC	Delaware		100	%

Flint Hills Plains Co-Invest L.P.	Delaware	PCM Capital - Plains Co-Invest LLC is general partner
PCM Capital - UTICA Co-Invest LLC	Delaware		100	%
Flint Hills UTICA Co-Invest L.P.	Delaware	PCM Capital - UTICA Co-Invest LLC is general partner
PCM Capital - AEP Co-Invest LLC	Delaware		100	%
Flint Hills AEP Co-Invest L.P.	Delaware	PCM Capital - AEP Co-Invest LLC is general partner
PCM Capital - EMG Opportunity LLC	Delaware		100	%
Flint Hills EMG Opportunity L.P.	Delaware	PCM Capital - EMG Opportunity LLC is general partner
PCM Capital - Founders LLC	Delaware		100	%
Flint Hills Founders L.P.	Delaware	PCM Capital - Founders LLC is general partner
UMB Management Equity HF, LP	Missouri		99.5	%
PCM Capital - Concentrated Global L/S Equity LLC	Delaware		100	%
Flint Hills Concentrated Global L/S Equity L.P.	Delaware	PCM Capital - Concentrated Global L/S Equity LLC is general partner
PCM Capital - Diversified Strategies LLC	Delaware		100	%
Flint Hills Diversified Strategies L.P.	Delaware	PCM Capital - Diversified Strategies LLC is general partner
PCM Capital - Long/Short Equity LLC	Delaware		100	%
Flint Hills Long/Short Equity L.P.	Delaware	PCM Capital - Long/Short Equity LLC is general partner
PCM Capital - Activist Strategies LLC	Delaware		100	%
Flint Hills Activist Strategies L.P.	Delaware	PCM Capital - Activist Strategies LLC is general partner
PCM Capital - Managed Equity Fund I LLC	Delaware		100	%
Flint Hills Managed Equity Fund I L.P.	Delaware	PCM Capital - Managed Equity Fund I LLC is general partner
PCM Capital - Private Equity Co-Investment I LLC	Delaware		100	%
Flint Hills Private Equity Co-Investment I L.P.	Delaware	PCM Capital - Private Equity Co-Investment I LLC is general partner
PCM Capital - Private Equity LLC	Delaware		100	%
Flint Hills Private Equity L.P.	Delaware	PCM Capital - Private Equity LLC is general partner

PCM Capital - Private Equity II LLC	Delaware		100	%
Flint Hills Private Equity II L.P.	Delaware	PCM Capital - Private Equity II LLC is general partner
PCM Capital - Select Managers Fund LLC	Delaware		100	%
Flint Hills Select Managers Fund L.P.	Delaware	PCM Capital - Select Managers Fund LLC is general partner
PCM Capital - Spartan Co-Invest LLC	Delaware		100	%
Flint Hills Spartan Co-Invest L.P.	Delaware	PCM Capital - Spartan Co-Invest LLC is general partner
PCM Capital - Strategic Small Mid Cap LLC	Delaware		100	%
Flint Hills Strategic Small Mid Cap L.P.	Delaware	PCM Capital - Strategic Small Mid Cap LLC is general partner
PCM Capital - SQ Opportunity LLC	Delaware		100	%
Flint Hills SQ Opportunity L.P.	Delaware	PCM Capital - SQ Opportunity LLC is general partner
PCM Capital - CEC Opportunity LLC	Delaware		100	%
Flint Hills CEC Opportunity L.P.	Delaware	PCM Capital - CEC Opportunity LLC is general partner