<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:ns1="http://www.sec.gov/edgar/common" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <!--DISCLAIMER:  This is a sample XML submission document for demonstration purposes only and should not be copied verbatim as part of a submission.  Please refer to the 13F XML Technical Specification and the related 13F Schemas for complete filer-constructed submission information.-->
  <!--Please be aware that these schema locations are for informational purposes only and should not be considered as required items in the 13F Schema.-->
  <!--If a reference to a style sheet is included the submission will be suspended by EDGAR.  Please do not include any references to style sheets.-->
  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>true</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0000933429</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
        <fileNumber>28-03395</fileNumber>
      </filer>
      <periodOfReport>09-30-2025</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2025</reportCalendarOrQuarter>
      <filingManager>
        <name>UMB Bank, n.a.</name>
        <address>
          <ns1:street1>PO BOX 219716</ns1:street1>
          <ns1:city>Kansas City</ns1:city>
          <ns1:stateOrCountry>MO</ns1:stateOrCountry>
          <ns1:zipCode>64121</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-03395</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Jessica Salas</name>
      <title>SVP MANAGER OF COMPLIANCE AND OVERSIGHT</title>
      <phone>816-860-7089</phone>
      <signature>Jessica Salas, SVP MANAGER OF COMPLIANCE AND OVERSIGHT</signature>
      <city>Kansas City</city>
      <stateOrCountry>MO</stateOrCountry>
      <signatureDate>09-30-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>2963</tableEntryTotal>
      <tableValueTotal>6796053090</tableValueTotal>
      <isConfidentialOmitted>true</isConfidentialOmitted>
    </summaryPage>
  </formData>
</edgarSubmission>
