UMB Financial Corporation is an American financial services holding company founded in 1913 and based in Kansas City, Missouri. It offers complete banking, payment solutions, asset servicing and institutional investment management to customers.

In 2015, for the sixth straight year, UMB ranked as one of America's Best Banks by Forbes and SNL Financial, based on eight financial measures of asset quality, capital adequacy and profitability. UMB operates banking and wealth management centers in Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska, Arizona and Texas.

In 1919, W.T. Kemper and Associates bought shares in City Center Bank, and R. Crosby Kemper became the president of the company. In 1926, the bank built a six-story headquarters, adding a drive-up service window in 1928. In 1934, the bank was renamed City National Bank and Trust Company and moved to Kansas City's financial center. In 1959, R. Crosby Kemper, Jr. (a third generation banker from the Kemper family) became president of the bank and led the installation of its first computer processing system. As banking laws changed, City Center bank became a holding of other banks and renamed United Missouri Bancshares, Inc (UMB) in 1971.

In 1987, UMB acquired FCB Corp. and its three banks in Southern Illinois. In 1992, UMB expanded into Colorado with the purchase of Valley Bank and National Bank of the West in Colorado Springs. UMB acquired Denver's Columbine National Bank in 1992, and in 1994, all of UMB's Colorado banks were merged into one entity, UMB Bank Colorado. In 1994, the bank changed its name and became UMB Financial Corporation. In 1995, UMB acquired Oklahoma Bank and its holding company, First Sooner Bancshares. That same year, UMB released its first online banking solution in conjunction with Visa Interactive.

In 2001, Sunstone Financial Group Inc., which changed its name to UMB Fund Services], Inc. and in 2002 it closed on the purchase of State Street Bank & Trust Company of Missouri. In 2001 UMB also established Scout Investment Advisors Inc.

In February 2002, the UMB acquired naming rights to St. Louis' Riverport Amphitheatre and renamed it UMB Bank Pavilion. This agreement would expire in 2006, at which point it became Verizon Wireless Amphitheater. In 2004, Peter deSilva became the president and Mariner Kemper became chairman and CEO of UMB Financial Corporation.

In June 2015, UMB acquired Marquette Financial Companies, which expanded its operations into the U.S states of Texas and Arizona.

Subsidiaries of the holding company and the lead bank, UMB Bank, n.a., include mutual fund and alternative investment services groups, single-purpose companies that deal with brokerage services and insurance, and a registered investment adviser that manages the company's proprietary mutual funds and investment advisory accounts for institutional customers.