Exhibit 99.1

//FOR IMMEDIATE RELEASE//

Media Contact: Kelli Christman: 816.860.5088

Investor Relations Contact: Kay McMillan: 816.860.7106

UMB Financial Corporation Reports Third Quarter 2013 Earnings of $34.4 million, or $0.83 per Diluted Share, an Increase of 31.8 percent Compared to Third Quarter 2012

Selected third quarter financial highlights:

KANSAS CITY, Mo. (October 22, 2013) – UMB Financial Corporation (Nasdaq: UMBF), a diversified financial holding company, announced earnings for the three months ended September 30, 2013 of $34.4 million or $0.85 per share ($0.83 diluted). This is an increase of $8.3 million, or 31.8 percent, compared to third quarter 2012 earnings of $26.1 million or $0.65 per share ($0.64 diluted). Earnings for the nine months ended September 30, 2013 were $99.3 million or $2.47 per share ($2.44 diluted). This is a decrease of $2.4 million, or 2.3 percent, compared to the prior year-to-date earnings of $101.7 million or $2.54 per share ($2.51 diluted).

“Solid third quarter results once again demonstrate the strength of our business model,” said Mariner Kemper, Chairman and Chief Executive Officer. “We posted our fourteenth consecutive quarter of loan growth, which is also our seventh consecutive quarter of double digit year-over-year loan growth, with an increase of 20.9 percent, to $6.4 billion in net loans. For comparison, the nearly 1,000 depositories that have announced results through October 21 reported median

loan growth of just 2.6 percent. In addition, trust and securities processing revenue, which largely comes from our asset management and asset servicing businesses, increased 21.6 percent compared to the same quarter in the prior year and noninterest expense growth was under five percent compared to the same quarter a year ago, evidence of our continued focus on expense control.”

Net Interest Income and Margin

Net interest income for the third quarter 2013 increased $5.2 million, or 6.4 percent, compared to the same period in 2012. Average earning assets increased $1.7 billion, or 14.1 percent, compared to the third quarter of 2012. This increase was primarily due to a $480.8 million, or 7.3 percent, increase in average total securities, including trading securities, and a $1.1 billion, or 21.3 percent, increase in average loans. Net interest margin decreased 19 basis points to 2.61 percent for the three months ended September 30, 2013, compared to the same quarter in 2012.

Noninterest Income and Expense

Noninterest income increased $15.3 million, or 14.4 percent, for the three months ended September 30, 2013, compared to the same period in 2012. This increase is primarily attributed to an increase in trust and securities processing income of $12.2 million, or 21.6 percent, for the three months ended September 30, 2013 compared to the same period in 2012. The increase in trust and securities processing income was primarily due to a $6.3 million, or 34.1 percent increase, in advisory fee income from the Scout Funds, a $3.6 million, or 20.9 percent, increase in fees related to institutional and personal investment management services and a $2.0 million, or 11.2 percent, increase in fee income from fund administration and custody services. Gains of $1.1 million on securities available for sale were recognized in the third quarter of 2013 compared to $0.3 million during the same period in 2012.

Noninterest expense increased $7.2 million, or 4.9 percent, for the three months ended September 30, 2013, compared to the same period in 2012. This increase is driven by higher salary and benefits expense of $4.9 million, or 6.2 percent. This increase is due to increases in salaries and wages of $3.2 million, or 6.3 percent, and a $1.5 million, or 11.8 percent, increase in employee benefits expense. Processing fees increased $1.5 million, or 11.6 percent, due primarily to fees paid by the advisor to third-party distributors of the Scout Funds. Equipment expense increased $1.9 million, or 18.2 percent, compared to the third quarter of 2012. These increases were offset by a decrease in marketing and business development expense of $1.8 million, or 24.9 percent.

“Our fee businesses continue to post strong quarterly results driven primarily by trust and securities processing revenue,” said Peter deSilva, President and Chief Operating Officer. “Net inflows in our Institutional Investment Management segment were $1.9 billion, driving assets under management to $29.3 billion at quarter end, an increase of 29.6 percent compared to a year ago. In addition, our wealth management platform for individuals ended the quarter with assets under management of $9.4 billion, which brought total company assets under management to $38.7 billion at the end of the quarter, an increase of 27.4 percent compared to the third quarter 2012. Our Asset Servicing segment has added $31.7 billion in assets under administration during the past year, and finally, in our Payment Solutions segment, total quarterly debit and credit card purchase volume increased by 19.6 percent to $1.6 billion.”

Balance Sheet

Average total assets for the three months ended September 30, 2013 were $14.9 billion compared to $13.2 billion for the same period in 2012, an increase of $1.8 billion, or 13.3 percent. Average earning assets increased by $1.7 billion for the period, or 14.1 percent.

Average loan balances for the three months ended September 30, 2013 increased $1.1 billion, or 21.3 percent, to $6.4 billion compared to the same period in 2012. Actual gross loan balances on September 30, 2013 were $6.5 billion, an increase of $1.1 billion, or 20.8 percent, compared to September 30, 2012. This increase was primarily driven by an increase in commercial loans of $685.2 million, or 25.5 percent, and a $293.1 million, or 21.8 percent, increase in commercial real estate loans. Nonperforming loans increased to $31.3 million on September 30, 2013 from $27.4 million on September 30, 2012. As a percentage of loans, nonperforming loans decreased to 0.48 percent as of September 30, 2013, compared to 0.51 percent on September 30, 2012. The company’s allowance for loan losses totaled $74.9 million, or 1.15 percent of loans, as of September 30, 2013, compared to $71.4 million, or 1.32 percent of loans, as of September 30, 2012.

For the three months ended September 30, 2013, average securities, including trading securities, totaled $7.0 billion. This is an increase of $480.8 million, or 7.3 percent, from the same period in 2012.

Average total deposits increased $1.4 billion, or 13.5 percent, to $11.8 billion for the three months ended September 30, 2013, compared to the same period in 2012. Average noninterest-bearing demand deposits increased $470.7 million, or 11.2 percent, compared to 2012. Average interest-bearing deposits increased by $934.3 million, or 15.1 percent, as compared to the same quarter in 2012. Total deposits as of September 30, 2013 were $13.0 billion, compared to $10.6 billion as of September 30, 2012, a 22.9 percent increase. Also, as of September 30, 2013, noninterest-bearing demand deposits were 43.2 percent of total deposits. As previously announced, a single Asset Servicing client is expected to migrate its deposits to another institution. As of September 30, 2013, this client’s deposits totaling $1.1 billion remained on the balance sheet.

As of September 30, 2013, UMB had total shareholders’ equity of $1.5 billion, which is a 13.1 percent increase as compared to the same period in 2012. On September 16, 2013, UMB completed the issuance of 3.9 million shares of common stock with net proceeds of $201.2 million.

“At the end of the third quarter, our Tier 1 capital ratio was 12.93 percent,” said Mike Hagedorn, Chief Financial Officer. “We have historically maintained high levels of capital as part of our risk profile, and this ratio was furthered bolstered by our capital raise in September of this year. The additional capital provided by the equity offering continues to support our growth; since the end of the third quarter 2008, average net loans have increased 52 percent and total revenue has increased 43 percent. Positive investor response to the offering demonstrates the confidence the market has in our business model and our ability to execute on that model. The majority of the institutions participating in the offering were new to UMB—a strong statement for a 100 year-old company.”

Year-to-Date

Earnings for the nine months ended September 30, 2013 were $99.3 million or $2.47 per share ($2.44 diluted). This is a decrease of $2.4 million, or 2.3 percent, compared to the prior year-to-date earnings of $101.7 million or $2.54 per share ($2.51 diluted).

Net interest income for the nine months ended September 30, 2013 increased $7.5 million, or 3.1 percent, compared to the same period in 2012. Net interest margin decreased to 2.56 percent for the nine months ended September 30, 2013 as compared to 2.79 percent for the same period in 2012.

Noninterest income increased $7.4 million, or 2.1 percent, to $356.2 million for the nine months ended September 30, 2013 as compared to the same period in 2012. Trust and securities processing income increased $27.5 million, or 16.5 percent, for the nine months ended September 30, 2013, compared to the same period in 2012. The increase in trust and securities processing income was primarily due to a $15.4 million, or 29.2 percent, increase in advisory fee income from the Scout Funds; a $3.3 million, or 5.9 percent, increase in fund administration and custody services; and a $8.1 million, or 15.6 percent, increase in fees related to institutional and personal investment management services. This increase is offset by decreases in trading and investment income, gains on sales of available for sale securities, and other income. Gains of $8.6 million on securities available for sale were recognized in the first nine months of 2013 compared to $20.0 million during the same period in 2012. Trading and investment banking income decreased $7.6 million, or 31.8 percent, driven by lower trading volume. Other noninterest income decreased $8.5 million, or 37.3 percent, primarily driven by an $8.7 million adjustment in contingent consideration liabilities on acquisitions recognized in 2012. These adjustments were due to the adoption of new accounting guidance in 2012 related to fair value measurements and changes in cash flow projections.

Noninterest expense increased $21.3 million, or 4.9 percent, for the nine months ended September 30, 2013 compared to the same period in 2012. This increase is primarily driven by an increase in salary and employee benefit expense of $14.3 million, or 6.0 percent, a $4.5 million, or 11.7 percent, increase in processing fees primarily driven by fees paid by the advisor to third-party distributors of the Scout Funds, and a $4.0 million, or 12.5 percent increase in equipment expense driven by increased computer hardware and software expense.

Dividend Declaration

At the company’s quarterly board meeting, the Board of Directors declared a $0.225 quarterly cash dividend, which represents a 4.7 percent increase compared to the last quarterly dividend, payable on January 2, 2014, to shareholders of record at the close of business on December 10, 2013.

Conference Call

The company plans to host a conference call to discuss its 2013 third quarter earnings results on October 23, 2013, at 8:30 a.m. (CDT). Interested parties may access the call by dialing (toll-free) 877-941-8609 or (U.S.) 480-629-9692. The live call can also be accessed by visiting the investor relations area of umb.com or by using the following the link:

http://event.on24.com/r.htm?e=693648&s=1&k=8385C9EB9937F5D8717F480564EFD188

A replay of the conference call may be heard until November 6, 2013, by calling (toll-free) 800-406-7325 or (U.S.) 303-590-3030. The replay pass code required for playback is conference identification number 4643357. The call replay may also be accessed via the company’s website umb.com by visiting the investor relations area.

Forward-Looking Statements:

This release contains, and our other communications may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. All forward-looking statements are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Our actual future objectives, strategies,

plans, prospects, performance, condition, or results may differ materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events, circumstances, or aspirations to differ from those in forward-looking statements are described in our Annual Report on Form 10-K for the year ended December 31, 2012, our subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K, or other applicable documents that are filed or furnished with the SEC. Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that we may make in any subsequent Quarterly Report on Form 10-Q, Current Report on Form 8-K, or other applicable document that is filed or furnished with the SEC.

About UMB:

UMB Financial Corporation (Nasdaq: UMBF) is a diversified financial holding company headquartered in Kansas City, Mo., offering complete banking services, payment solutions, asset servicing, private wealth management and institutional investment management to customers. UMB operates banking and wealth management centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. It also has a loan production office in Texas. Subsidiaries of the holding company include companies that offer services to mutual funds and alternative-investment entities and registered investment advisors that offer equity and fixed income strategies to institutions and individual investors. For more information, visit umb.com, blog.umb.com or follow us on Twitter at @UMBBank, Facebook at facebook.com/UMBBank and LinkedIn at linkedin.com/company/umb-bank.