UMB Financial Corp. engages in the provision of bank and asset services. The company is headquartered in Kansas City, Missouri and currently employs 3,770 full-time employees. The firm offers commercial banking, which includes comprehensive deposit, lending and investment services, personal banking, which includes wealth management and financial planning services, and institutional banking, which includes asset servicing, corporate trust solutions, investment banking, and healthcare services. The company operates through three segments. Commercial Banking segment serves the commercial banking and treasury management needs of the Company’s small to middle-market businesses through a range of products and services. Institutional Banking segment is a combination of banking services, fund services, asset management services and healthcare services provided to institutional clients. Personal Banking segment combines consumer banking and wealth management services offered to clients and delivered through personal relationships and its bank branches, automated teller machine (ATM) network and Internet banking.