For the quarter ending 2026-03-31, SMBC has $5,141,464K in assets. $4,567,954K in debts. $93,038K in cash and cash equivalents.
| 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 |
SOUTHERN MISSOURI BANCORP, INC. (SMBC)
SOUTHERN MISSOURI BANCORP, INC. (SMBC)