Southern Missouri Bancorp, Inc. (SMBC)

Southern Missouri Bancorp Balance Sheet

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Cash & Equivalents	124.11	192.86	60.9	53.98	86.79	123.59
Investment Securities	97.46	102.07	124	148.54	69.58	69.66
Trading Asset Securities	0.94	0.91	0.02	-	-	-
Mortgage-Backed Securities	357.15	359.49	304.86	270.25	170.59	138.34
Total Investments	455.54	462.47	428.88	418.8	240.16	208
Gross Loans	4,192	4,101	3,850	3,978	2,843	2,312
Allowance for Loan Losses	-52.08	-51.63	-52.52	-47.82	-33.19	-33.22
Other Adjustments to Gross Loans	-	-0.18	-0.23	-359.5	-124.11	-78.17
Net Loans	4,140	4,049	3,797	3,571	2,686	2,200
Property, Plant & Equipment	95.21	95.98	95.95	92.4	71.35	64.08
Goodwill	50.73	50.73	50.73	50.77	27.29	14.09
Other Intangible Assets	22.14	20.09	23.51	27.57	5.48	5.23
Loans Held for Sale	0.28	0.43	-	-	-	-
Accrued Interest Receivable	30.59	26.02	23.83	18.87	11.05	10.08
Other Current Assets	14.61	14.88	13.76	15.06	10.46	11.86
Long-Term Deferred Tax Assets	7.71	9.43	11.19	12.86	10.73	4.49
Other Real Estate Owned & Foreclosed	1.03	0.66	3.89	3.64	2.19	2.25
Other Long-Term Assets	85.38	87.73	85.69	83.65	57.2	50.75
Total Assets	5,036	5,020	4,604	4,360	3,215	2,701
Accounts Payable	27.19	29.23	18.35	21.15	13.27	9.98
Interest Bearing Deposits	3,778	3,773	3,429	3,128	2,388	1,972
Non-Interest Bearing Deposits	502.09	508.11	514.11	597.6	426.93	358.42
Total Deposits	4,280	4,281	3,943	3,726	2,815	2,331
Short-Term Borrowings	20.89	15.88	11.41	33.5	1.99	-
Current Portion of Long-Term Debt	-	17	6	1.99	6	24.24
Current Portion of Leases	0.69	0.84	-	-	-	-
Accrued Interest Payable	15.33	14.19	12.87	4.72	0.8	0.78
Federal Home Loan Bank Debt, Long-Term	102.03	87.06	94.06	98.02	29.96	33.29
Long-Term Leases	6.27	6.15	6.67	6.13	3.85	2.77
Trust Preferred Securities	23.22	23.21	23.16	23.11	23.06	15.24
Total Liabilities	4,476	4,475	4,116	3,914	2,894	2,417
Common Stock	0.12	0.12	0.12	0.12	0.1	0.09
Additional Paid-In Capital	221.48	221.35	219.68	218.26	119.16	95.59
Retained Earnings	372.41	359.58	311.38	270.72	240.12	200.14
Treasury Stock	-25.42	-24.97	-24.97	-21.12	-21.12	-15.28
Comprehensive Income & Other	-8.37	-11.38	-17.46	-21.93	-17.49	2.88
Total Common Equity	560.22	544.69	488.75	446.06	320.77	283.42
Shareholders' Equity	560.22	544.69	488.75	446.06	320.77	283.42
Total Liabilities & Equity	5,036	5,020	4,604	4,360	3,215	2,701
Total Debt	153.1	150.13	141.29	162.74	64.86	75.54
Net Cash (Debt)	-27.81	43.89	-79.87	-107.52	26.7	49.03
Net Cash Growth	-	-	-	-	-45.54%	-
Net Cash Per Share	-2.47	3.90	-7.07	-10.60	2.96	5.44
Filing Date Shares Outstanding	11.2	11.29	11.28	11.34	9.23	8.89
Total Common Shares Outstanding	11.29	11.3	11.28	11.33	9.23	8.91
Book Value Per Share	49.62	48.21	43.34	39.37	34.76	31.83
Tangible Book Value	487.36	473.87	414.52	367.71	288.01	264.11
Tangible Book Value Per Share	43.16	41.94	36.76	32.45	31.21	29.66

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q