UMB Financial Corporation, based in Kansas City, Missouri, is a bank holding company that offers a variety of banking and financial services through its subsidiary, UMB Bank. Its Commercial Banking segment provides commercial loans, credit cards, real estate financing, letters of credit, and loan syndication, among other services. The Institutional Banking segment offers asset management and healthcare services to institutional clients, as well as fund administration and accounting, custody, fixed-income sale, trading and underwriting, and corporate trust and escrow services. Additionally, the company's Personal Banking segment offers deposit accounts, credit cards, private banking, loans, mortgages, and other financial services. UMB Financial Corporation operates through a network of branches and offices in several US states, including Missouri, Kansas, Colorado, and more. The company has been in operation since 1913.