UMB Financial Corporation (NASDAQ: UMBF) has been recognized for its strength and stability by Moody�s Investors Service and Bank Director magazine.

Moody�s recently announced its review of U.S. regional bank financial strength ratings (BFSR) and affirmed UMB Financial as �stable.� Moody�s assigns a stable rating to �those institutions that can absorb a level of stress beyond Moody�s expected loss assumptions and remain appropriately capitalized at their current rating level.� Moody�s rating actions can be divided into three broad categories: banks placed on review for possible downgrade; banks with an outlook changed to negative; and, banks affirmed with a stable outlook.

�We have always stated this company is built for the long term, because ultimately that is what customers want � a stable financial partner they can confidently trust as a steward of their money,� said UMB Chairman and Chief Executive Officer Mariner Kemper. �To maintain a stable rating, particularly in this environment, confirms UMB�s approach to the banking business is a sound one.�

Bank Director�s announcement of �The Top 150 Performers� placed UMB at No. 15 overall, including a high ranking of No. 7 in non-performing assets. Measurement analysis of profitability, capital adequacy and asset quality was compiled by Sandler O�Neill & Partners of the nation�s largest 150 banks and thrifts with assets of more than $3 billion. In highlighting America�s best banks, the magazine�s report states �� the scorecard features institutions that maintain top standing in good times and bad � often with recurring high scorers.�

About UMB:

UMB Financial Corporation (NASDAQ: UMBF) is a financial services holding company headquartered in Kansas City, Missouri, offering complete banking, asset management, health spending solutions and related financial services to both individual and business customers nationwide. Its banking subsidiaries own and operate 138 banking centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. Subsidiaries of the holding company and the lead bank, UMB Bank, n.a., include a fund services group based in Milwaukee, Wisconsin, single-purpose companies that deal with brokerage services and insurance, and a registered investment advisor that manages the company�s proprietary mutual funds.

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