Financial insights of SMBC

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$17,761K
EPS
$1.6
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans	65,398	65,975	66,460	62,712*
Investment securities	1,195	1,265	1,305	1,452*
Mortgage-backed securities	3,707	3,933	4,151	4,142*
Other interest-earning assets	659	1,059	1,114	1,036*
Total interest income	70,959	72,232	73,030	69,342*
Deposits	26,172	27,699	28,940	28,943*
Securities sold under agreements to repurchase	200	204	200	192*
Advances from fhlb	1,070	1,080	1,081	1,146*
Subordinated debt	362	379	391	407*
Total interest expense	27,804	29,362	30,612	30,687*
Net interest income	43,155	42,870	42,418	38,655*
Provision for credit losses	2,080	1,680	4,500	1,631*
Net interest income after provision for credit losses	41,075	41,190	37,918	37,024*
Deposit account charges and related fees	2,331	2,429	2,365	2,156*
Bank card interchange income	1,592	1,614	1,530	1,495*
Loan servicing fees	245	250	263	227*
Other loan fees	27	164	194	942*
Net realized gains on sale of loans	226	167	175	188*
Net realized gains (losses) on sale of afs securities	-	-	-	12*
Earnings on bank owned life insurance	677	552	548	521*
Insurance brokerage commissions	353	345	319	324*
Wealth management fees	944	936	851	825*
Other income	695	319	328	306*
Total noninterest income	7,090	6,776	6,573	6,996*
Compensation and benefits	14,054	13,651	13,065	13,940*
Occupancy and equipment, net	4,040	3,834	3,788	3,722*
Data processing expense	2,770	2,666	2,513	2,332*
Telecommunications expense	308	309	347	356*
Deposit insurance premiums	495	600	620	584*
Legal and professional fees	521	478	1,075	899*
Advertising	553	538	614	518*
Postage and office supplies	373	333	300	319*
Intangibles amortization	709	808	857	885*
Foreclosed property expenses/losses	108	31	58	26*
Other operating expense	2,292	2,022	1,814	1,943*
Total noninterest expense	26,223	25,270	25,051	25,521*
Income before income taxes	21,942	22,696	19,440	18,499*
Current	-	-	-	3,681*
Deferred	-	-	-	174*
Total income taxes	4,181	4,546	3,790	3,854*
Net income	17,761	18,150	15,650	14,645

Basic EPS	1.6	1.62	1.39	1.304
Diluted EPS	1.6	1.62	1.38	1.295*
Basic Average Shares	11,040,896	11,153,362	11,246,743	11,234,703
Diluted Average Shares	11,074,820	11,178,778	11,271,909	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$17,761K
EPS
$1.6
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$17,761K
EPS
$1.6
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$17,761KEPS$1.6Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$17,761KEPS$1.6Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$17,761K
EPS
$1.6
Unit: Thousand (K) dollars

Net Income
$17,761K
EPS
$1.6
Unit: Thousand (K) dollars