Exhibit 21.1
SUBSIDIARIES OF UMB FINANCIAL CORPORATION
December 31, 2025
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 Corp. |
| 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 | % |
UMB Foreign LLC |
| Delaware |
|
| 100 | % |
UMBF Trust and Agency Services (Ireland) Limited |
| Dublin, Ireland |
|
| 100 | % |
UMB Delaware Inc. |
| Delaware |
|
| 100 | % |
1268 South Jones Spring Lane, LLC |
| Missouri |
|
| 100 | % |
DB&T Community Development Corp. |
| Iowa |
|
| 100 | % |
Heartland Financial USA, Inc. Insurance Services |
| Delaware |
|
| 100 | % |
UMBCDC, Inc. |
| Missouri |
|
| 100 | % |
UMB Fund Services, Inc. |
| Wisconsin |
|
| 100 | % |
UMB Financial Services, Inc. |
| Missouri |
|
| 100 | % |
UMB Asset Management, LLC |
| Delaware |
|
| 100 | % |
UMB Management Equity Holdings, Inc. |
| Delaware |
|
| 100 | % |
UMB Merchant LLC |
| Delaware |
|
| 100 | % |
UMB Family Wealth - KS Halite LLC |
| Delaware |
|
| 100 | % |
KS Halite LLC |
| Delaware |
| UMB Family Wealth - KS Halite LLC is the managing member |
| |
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 |
| |