For the quarter ending 2025-12-31, SMBC has $5,094,387K in assets. $4,527,027K in debts. $134,061K in cash and cash equivalents.
| Balance Sheets | 2025-12-31 | 2025-09-30 | 2025-06-30 | |
|---|---|---|---|---|
| Cash and cash equivalents | 134,061 | 124,111 | 192,859 | |
| Interest-bearing time deposits | 248 | 247 | 246 | |
| Available for sale securities | 444,965 | 453,855 | 460,844 | |
| Stock in fhlb of des moines | 9,406 | 9,347 | 9,361 | |
| Stock in federal reserve bank of st. louis | 9,146 | 9,142 | 9,139 | |
| Loans held for sale | 1,271 | 277 | 431 | |
| Single Family | 1,043,090 | 1,021,300 | 992,445 | |
| Commercial Borrower-Commercial Real Estate Portfolio Segment | 912,611 | 918,275 | 888,317 | |
| Commercial Real Estate Portfolio Segment-Consumer Borrower | 460,064 | 454,265 | 442,984 | |
| Multifamily | 452,733 | 445,953 | 422,758 | |
| Construction Portfolio Segment | 298,412 | 283,912 | 332,405 | |
| Agriculture Real Estate Portfolio | 261,118 | 255,610 | 244,983 | |
| Real Estate | 3,428,028 | 3,379,315 | 3,323,892 | |
| Commercial And Industrial Portfolio | 537,276 | 521,945 | 510,259 | |
| Agriculture Production Portfolio | 202,892 | 229,338 | 206,128 | |
| Consumer Portfolio Segment | 52,182 | 56,051 | 55,387 | |
| Other Property | 6,178 | 5,094 | 5,102 | |
| Total loans (before deferred loan fees, net) | 4,226,556 | 4,191,743 | 4,100,768 | |
| Deferred loan fees, net | - | - | -178 | |
| Allowance for credit losses | 54,465 | 52,081 | 51,629 | |
| Loans receivable, net of acl of 54,465 and 51,629 at december 31, 2025 and june 30, 2025, respectively | 4,172,091 | 4,139,662 | 4,048,961 | |
| Accrued interest receivable | 32,603 | 30,591 | 26,018 | |
| Premises and equipment, net | 94,560 | 95,211 | 95,982 | |
| Bank owned life insurance - cash surrender value | 76,793 | 76,240 | 75,691 | |
| Goodwill | 50,727 | 50,727 | 50,727 | |
| Other intangible assets, net | 21,322 | 22,139 | 22,994 | |
| Prepaid expenses and other assets | 47,194 | 24,783 | 26,354 | |
| Total assets | 5,094,387 | 5,036,332 | 5,019,607 | |
| Deposits | 4,308,334 | 4,280,490 | 4,281,368 | |
| Securities sold under agreements to repurchase | 20,000 | 20,000 | 15,000 | |
| Advances from fhlb | 102,041 | 102,029 | 104,052 | |
| Accounts payable and other liabilities | 59,325 | 35,037 | 37,101 | |
| Accrued interest payable | 14,092 | 15,334 | 14,186 | |
| Subordinated debt | 23,235 | 23,221 | 23,208 | |
| Total liabilities | 4,527,027 | 4,476,111 | 4,474,915 | |
| Common stock, .01 par value 25,000,000 shares authorized 11,980,632 and 11,980,887 shares issued at december 31, 2025 and june 30, 2025, respectively | 120 | 120 | 120 | |
| Additional paid-in capital | 221,589 | 221,483 | 221,347 | |
| Retained earnings | 387,766 | 372,406 | 359,576 | |
| Treasury stock of 837,899 and 681,420 shares at december 31, 2025 and june 30, 2025, respectively, at cost | 33,476 | 25,419 | 24,973 | |
| Accumulated other comprehensive loss | -8,639 | -8,369 | -11,378 | |
| Total stockholders' equity | 567,360 | 560,221 | 544,692 | |
| Total liabilities and stockholders' equity | 5,094,387 | 5,036,332 | 5,019,607 | |
SOUTHERN MISSOURI BANCORP, INC. (SMBC)
SOUTHERN MISSOURI BANCORP, INC. (SMBC)