Exhibit 21.1

SUBSIDIARIES OF UMB FINANCIAL CORPORATION

December 31, 2022

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	%
9700, LLC	Virginia		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	%
UMBCDC, Inc.	Missouri		100	%
UMB Fund Services, Inc.	Wisconsin		100	%
UMB Distribution Services, LLC	Wisconsin		100	%
UMB Financial Services, Inc.	Missouri		100	%
UMB Family Wealth, LLC	Delaware		100	%
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