Regulatory Requirements (Tables)

12 Months Ended

Dec. 31, 2011

Regulatory Requirements [Abstract]

Schedule Of Compliance With Regulatory Capital Requirements Under Banking Regulations

	2011
	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
Tier 1 Capital:
UMB Financial Corporation	$	823,187		11.20	%	$	294,029		4.00	%	$	N/A		N/A	%
UMB Bank, n. a.		643,972		10.68			241,188		4.00			361,782		6.00
UMB National Bank of America, n.a.		58,620		18.85			12,442		4.00			18,663		6.00
UMB Bank Colorado, n.a.		103,867		11.74			35,393		4.00			53,089		6.00
UMB Bank Arizona, n.a.		15,303		9.83			6,229		4.00			9,344		6.00
Total Capital:
UMB Financial Corporation		896,924		12.20			588,058		8.00			N/A		N/A
UMB Bank, n. a.		707,010		11.73			482,376		8.00			602,971		10.00
UMB National Bank of America, n.a.		60,579		19.48			24,884		8.00			31,105		10.00
UMB Bank Colorado, n.a.		110,291		12.46			70,785		8.00			88,482		10.00
UMB Bank Arizona, n.a.		17,254		11.08			12,459		8.00			15,574		10.00
Tier 1 Leverage:
UMB Financial Corporation		823,187		6.71			490,374		4.00			N/A		N/A
UMB Bank, n. a.		643,972		6.32			407,693		4.00			509,616		5.00
UMB National Bank of America, n.a.		58,620		9.02			26,006		4.00			32,507		5.00
UMB Bank Colorado, n.a.		103,867		7.00			59,352		4.00			74,190		5.00
UMB Bank Arizona, n.a.		15,303		10.87			5,633		4.00			7,041		5.00

	2010
Tier 1 Capital:
UMB Financial Corporation	$	738,763	11.30	%	$	261,485	4.00	%	$	N/A	N/A	%
UMB Bank, n. a.		595,432	10.83			219,827	4.00			329,741	6.00
UMB National Bank of America, n.a.		50,724	16.02			12,666	4.00			18,999	6.00
UMB Bank Colorado, n.a.		88,532	11.94			29,669	4.00			44,504	6.00
UMB Bank Arizona, n.a.		11,011	9.91			4,444	4.00			6,666	6.00
Total Capital:
UMB Financial Corporation		813,713	12.45			522,971	8.00			N/A	N/A
UMB Bank, n. a.		659,951	12.01			439,655	8.00			549,569	10.00
UMB National Bank of America, n.a.		52,662	16.63			25,332	8.00			31,665	10.00
UMB Bank Colorado, n.a.		95,573	12.89			59,339	8.00			74,174	10.00
UMB Bank Arizona, n.a.		12,401	11.16			8,888	8.00			11,111	10.00
Tier 1 Leverage:
UMB Financial Corporation		738,763	6.56			450,619	4.00			N/A	N/A
UMB Bank, n. a.		595,432	6.15			387,303	4.00			484,129	5.00
UMB National Bank of America, n.a.		50,724	7.87			25,771	4.00			32,214	5.00
UMB Bank Colorado, n.a.		88,532	7.17			49,357	4.00			61,696	5.00
UMB Bank Arizona, n.a.		11,011	10.16			4,334	4.00			5,418	5.00