UMB Financial Corporation traces its rich historical roots back to 1913 when it was originally founded by members of the Kemper family in Kansas City, Missouri. Over more than a century of continuous operation, the institution has been guided through successive generations of family leadership, evolving from a localized Midwestern bank into a major regional financial powerhouse. The founding lineage established a conservative underwriting culture and a diversified business model encompassing commercial lending, asset management, and trust services, which successive CEOs—including current leadership—have maintained and expanded.