| Balance Sheets | 2025-09-30 | |||
|---|---|---|---|---|
| Cash and cash equivalents | 124,111 | |||
| Interest-bearing time deposits | 247 | |||
| Available for sale securities | 453,855 | |||
| Stock in fhlb of des moines | 9,347 | |||
| Stock in federal reserve bank of st. louis | 9,142 | |||
| Loans held for sale | 277 | |||
| Single Family | 1,021,300 | |||
| Commercial Borrower-Commercial Real Estate Portfolio Segment | 918,275 | |||
| Commercial Real Estate Portfolio Segment-Consumer Borrower | 454,265 | |||
| Multifamily | 445,953 | |||
| Construction Portfolio Segment | 283,912 | |||
| Agriculture Real Estate Portfolio | 255,610 | |||
| Real Estate | 3,379,315 | |||
| Commercial And Industrial Portfolio | 521,945 | |||
| Agriculture Production Portfolio | 229,338 | |||
| Consumer Portfolio Segment | 56,051 | |||
| Other Property | 5,094 | |||
| Total loans (before deferred loan fees, net) | 4,191,743 | |||
| Allowance for credit losses | 52,081 | |||
| Loans receivable, net of acl of 52,081 and 51,629 at september 30, 2025 and june 30, 2025, respectively | 4,139,662 | |||
| Accrued interest receivable | 30,591 | |||
| Premises and equipment, net | 95,211 | |||
| Bank owned life insurance - cash surrender value | 76,240 | |||
| Goodwill | 50,727 | |||
| Other intangible assets, net | 22,139 | |||
| Prepaid expenses and other assets | 24,783 | |||
| Total assets | 5,036,332 | |||
| Deposits | 4,280,490 | |||
| Securities sold under agreements to repurchase | 20,000 | |||
| Advances from fhlb | 102,029 | |||
| Accounts payable and other liabilities | 35,037 | |||
| Accrued interest payable | 15,334 | |||
| Subordinated debt | 23,221 | |||
| Total liabilities | 4,476,111 | |||
| Common stock, .01 par value 25,000,000 shares authorized 11,980,232 and 11,980,887 shares issued at september 30, 2025 and june 30, 2025, respectively | 120 | |||
| Additional paid-in capital | 221,483 | |||
| Retained earnings | 372,406 | |||
| Treasury stock of 689,565 and 681,420 shares at september 30, 2025 and june 30, 2025, respectively, at cost | 25,419 | |||
| Accumulated other comprehensive loss | -8,369 | |||
| Total stockholders' equity | 560,221 | |||
| Total liabilities and stockholders' equity | 5,036,332 | |||
SOUTHERN MISSOURI BANCORP, INC. (SMBC)
SOUTHERN MISSOURI BANCORP, INC. (SMBC)