EXHIBIT 21

SUBSIDIARIES OF UMB FINANCIAL CORPORATION

December 31, 2007

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	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.      Scout Investment Advisors, Inc.	Missouri
		UMB Bank, n.a. owns 100%
		e.      UMB Redevelopment Corporation	Missouri
		UMB Bank, n.a. owns 100%
		f.       UMB Banc Leasing Corp.	Missouri
		UMB Bank, n.a. owns 100%

	g.	UMB Trust Company of South Dakota		South Dakota
			UMB Bank, n.a. owns 100%
	h.	UMB Financial Services, Inc.		Missouri
			UMB Bank, n.a. owns 100%
	i.	UMB Scout Insurance Services, Inc.		Missouri
			UMB Bank, n.a. owns 100%
	j.	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.	UMB Community Development Corporation			Missouri
		UMB Financial Corporation owns 100%
7.	UMB Consulting Services, LLC			Missouri
		UMB Financial Corporation owns 100%
8.	UMB National Sales Corporation			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%