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SOUTHERN MISSOURI BANCORP, INC. (SMBC)
SOUTHERN MISSOURI BANCORP, INC. (SMBC)
Income Statement
|
Cash Flow
|
Balance Sheet
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Ratios
Balance Sheets Overview
Debt to Asset Ratio
88.85%
Unit: Thousand (K) dollars
Assets Breakdown
Real Estate
Commercial And Industrial Portfo...
Agriculture Production Portfolio
Others
Liabilities Breakdown
Retained earnings
Additional paid-in capital
Advances from fhlb
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Cash and cash equivalents
93,038
134,061
124,111
192,859
Interest-bearing time deposits
248
248
247
246
Available for sale securities
439,115
444,965
453,855
460,844
Stock in fhlb of des moines
9,714
9,406
9,347
9,361
Stock in federal reserve bank of st. louis
9,149
9,146
9,142
9,139
Loans held for sale
1,033
1,271
277
431
Single Family
1,063,006
1,043,090
1,021,300
992,445
Commercial Borrower-Commercial Real Estate Portfolio Segment
945,274
912,611
918,275
888,317
Commercial Real Estate Portfolio Segment-Consumer Borrower
476,994
460,064
454,265
442,984
Multifamily
467,936
452,733
445,953
422,758
Construction Portfolio Segment
279,943
298,412
283,912
332,405
Agriculture Real Estate Portfolio
278,541
261,118
255,610
244,983
Real Estate
3,511,694
3,428,028
3,379,315
3,323,892
Commercial And Industrial Portfolio
546,002
537,276
521,945
510,259
Agriculture Production Portfolio
204,447
202,892
229,338
206,128
Consumer Portfolio Segment
51,869
52,182
56,051
55,387
Other Property
8,348
6,178
5,094
5,102
Total loans (before deferred loan fees, net)
4,322,360
4,226,556
4,191,743
4,100,768
Deferred loan fees, net
-
-
-
-178
Allowance for credit losses
55,937
54,465
52,081
51,629
Loans receivable, net of acl of 55,937 and 51,629 at march 31, 2026 and june 30, 2025, respectively
4,266,423
4,172,091
4,139,662
4,048,961
Accrued interest receivable
28,093
32,603
30,591
26,018
Premises and equipment, net
93,366
94,560
95,211
95,982
Bank owned life insurance - cash surrender value
77,155
76,793
76,240
75,691
Goodwill
50,727
50,727
50,727
50,727
Other intangible assets, net
20,602
21,322
22,139
22,994
Prepaid expenses and other assets
52,801
47,194
24,783
26,354
Total assets
5,141,464
5,094,387
5,036,332
5,019,607
Deposits
4,340,915
4,308,334
4,280,490
4,281,368
Securities sold under agreements to repurchase
20,000
20,000
20,000
15,000
Advances from fhlb
105,033
102,041
102,029
104,052
Accounts payable and other liabilities
67,110
59,325
35,037
37,101
Accrued interest payable
11,648
14,092
15,334
14,186
Subordinated debt
23,248
23,235
23,221
23,208
Total liabilities
4,567,954
4,527,027
4,476,111
4,474,915
Common stock, .01 par value 25,000,000 shares authorized 12,009,402 and 11,980,887 shares issued at march 31, 2026 and june 30, 2025, respectively
120
120
120
120
Additional paid-in capital
222,969
221,589
221,483
221,347
Retained earnings
402,750
387,766
372,406
359,576
Treasury stock of 994,290 and 681,420 shares at march 31, 2026 and june 30, 2025, respectively, at cost
43,259
33,476
25,419
24,973
Accumulated other comprehensive loss
-9,070
-8,639
-8,369
-11,378
Total stockholders' equity
573,510
567,360
560,221
544,692
Total liabilities and stockholders' equity
5,141,464
5,094,387
5,036,332
5,019,607
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Single Family
$1,063,006K
Commercial
Borrower-Commercial Real Estate...
$945,274K
Commercial Real Estate
Portfolio...
$476,994K
Multifamily
$467,936K
Construction Portfolio
Segment
$279,943K
Agriculture Real Estate
Portfolio
$278,541K
Real Estate
$3,511,694K
Commercial And Industrial
Portfolio
$546,002K
Agriculture Production
Portfolio
$204,447K
Consumer Portfolio
Segment
$51,869K
Other Property
$8,348K
Total loans (before
deferred loan fees, net)
$4,322,360K
Loans receivable, net
of acl of 55,937 and...
$4,266,423K
Available for sale
securities
$439,115K
Premises and equipment,
net
$93,366K
Cash and cash
equivalents
$93,038K
Bank owned life
insurance - cash surrender...
$77,155K
Prepaid expenses and
other assets
$52,801K
Goodwill
$50,727K
Accrued interest
receivable
$28,093K
Other intangible
assets, net
$20,602K
Stock in fhlb of des
moines
$9,714K
Stock in federal
reserve bank of st. louis
$9,149K
Loans held for sale
$1,033K
Interest-bearing time deposits
$248K
Allowance for credit
losses
$55,937K
Total assets
$5,141,464K
Total liabilities and
stockholders' equity
$5,141,464K
Total liabilities
$4,567,954K
Total stockholders'
equity
$573,510K
Treasury stock of 994,290
and 681,420 shares...
$43,259K
Accumulated other
comprehensive loss
-$9,070K
Deposits
$4,340,915K
Advances from fhlb
$105,033K
Accounts payable and
other liabilities
$67,110K
Subordinated debt
$23,248K
Securities sold under
agreements to repurchase
$20,000K
Accrued interest
payable
$11,648K
Retained earnings
$402,750K
Additional paid-in capital
$222,969K
Common stock, .01 par
value 25,000,000...
$120K
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