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Southern Missouri Bancorp Balance Sheet 2025-2009 | SMBC
Brief overview of Southern Missouri Bancorp's assets and capital
Balance sheet changes are traced across five available annual reports between 2021 and 2025.
Assets reached $5 billion, compared with $2.7 billion at the beginning. Growth of +85.9% and CAGR near 16.8% show active expansion.
Asset and liability trends were close, at +85.9% and +85.1%. Expansion did not materially reshape funding sources.
Given the financial profile, the capital cushion is the main focus. It covers 10.9% of assets versus 10.5% five periods ago.
Overall assessment
Southern Missouri Bancorp retains a reasonably healthy balance sheet structure, which still needs support from earnings and cash flow.
Annual Balance Sheet Southern Missouri Bancorp
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | -54.2 M | -47.9 M | - | - | - | - | 213 M | 174 M | 231 M | 190 M | 209 M | 98 M | -2.98 M | 6.03 M | - | - |
Long Term Debt |
- | 6.67 M | 6.12 M | - | - | - | - | 94.6 M | 61.5 M | 125 M | 79.5 M | 95.2 M | 31.7 M | 31.7 M | 40.7 M | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | - | 14.9 M | 14.8 M | 14.8 M | 14.7 M | 9.7 M | 7.2 M | 7.2 M | 7.2 M | - | - |
Total Current Liabilities |
- | - | - | - | - | - | - | 1.69 B | - | - | - | - | - | - | - | - | - |
Total Liabilities |
4.47 B | 4.12 B | 3.91 B | 2.89 B | 2.42 B | 2.28 B | 1.98 B | 1.69 B | 1.53 B | 1.28 B | 1.17 B | 910 M | 695 M | 644 M | 632 M | - | - |
Retained Earnings |
- | - | - | - | - | - | - | 120 M | 102 M | 89.8 M | 77.8 M | 66.8 M | 59 M | 51.4 M | 43 M | - | - |
Total Assets |
5.02 B | 4.6 B | 4.36 B | 3.21 B | 2.7 B | 2.54 B | 2.21 B | 1.89 B | 1.71 B | 1.4 B | 1.3 B | 1.02 B | 796 M | 739 M | 688 M | - | - |
Cash and Cash Equivalents |
193 M | 60.9 M | 54 M | 86.8 M | 124 M | 54.2 M | 35.4 M | 26.3 M | 30.8 M | 22.6 M | 16.8 M | 14.9 M | 12.8 M | 33.4 M | 33.9 M | 33.4 M | 8.07 M |
Book Value |
545 M | 489 M | 446 M | 321 M | 283 M | 258 M | 238 M | 201 M | 173 M | 126 M | 133 M | 111 M | 102 M | 94.7 M | 55.7 M | - | - |
Total Shareholders Equity |
545 M | 489 M | 446 M | 321 M | 283 M | 258 M | 238 M | 201 M | 173 M | 126 M | 133 M | 111 M | 102 M | 94.7 M | - | - | - |
All numbers in USD currency
Quarterly Balance Sheet Southern Missouri Bancorp
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
4.57 B | 4.53 B | 4.48 B | 4.53 B | 4.48 B | 4.4 B | 4.22 B | 4.4 B | 4.22 B | 4.17 B | 4.02 B | 4.17 B | 4.02 B | 3.11 B | 3.86 B | 3.11 B | 3.12 B | 2.89 B | 2.94 B | 2.62 B | 2.45 B | 2.42 B | 2.42 B | - | - | 2.28 B | - | - | - | - | - | - | - | 1.69 B | - | - | - | 1.53 B | 1.36 B | 1.36 B | 1.34 B | 1.28 B | 1.28 B | 1.22 B | 1.18 B | 1.17 B | 1.17 B | 1.17 B | 1.17 B | 910 M | 1.17 B | 845 M | 729 M | 695 M | 695 M | 671 M | 647 M | 644 M | 644 M | 681 M | 650 M | 632 M | 632 M |
Total Assets |
5.14 B | 5.09 B | 5.04 B | 5.09 B | 5.04 B | 4.91 B | 4.73 B | 4.91 B | 4.73 B | 4.64 B | 4.47 B | 4.64 B | 4.47 B | 3.45 B | 4.29 B | 3.45 B | 3.44 B | 3.21 B | 3.26 B | 2.92 B | 2.74 B | 2.7 B | 2.7 B | 2.62 B | 2.54 B | 2.54 B | 2.54 B | 2.31 B | 2.25 B | 2.21 B | 2.21 B | 2.21 B | 1.94 B | 1.89 B | 1.89 B | 1.78 B | 1.76 B | 1.71 B | 1.71 B | 1.49 B | 1.47 B | 1.4 B | 1.4 B | 1.34 B | 1.32 B | 1.3 B | 1.3 B | 1.3 B | 1.3 B | 1.02 B | 1.3 B | 950 M | 832 M | 796 M | 796 M | 770 M | 744 M | 739 M | 739 M | 773 M | 718 M | 688 M | 688 M |
Cash and Cash Equivalents |
93 M | 134 M | 124 M | 134 M | 124 M | 146 M | 75.3 M | 146 M | 75.3 M | 216 M | 88.2 M | 216 M | 88.2 M | 53.1 M | 115 M | 53.1 M | 47.7 M | 86.8 M | 249 M | 185 M | 111 M | 124 M | 124 M | 150 M | 41.9 M | 150 M | 41.9 M | 41 M | 31.4 M | 41 M | 31.4 M | 38.4 M | 22.1 M | 38.4 M | 22.1 M | 35.2 M | 25.1 M | 35.2 M | 25.1 M | 30.4 M | 21.5 M | 30.4 M | 21.5 M | 24.6 M | 18.5 M | 24.6 M | 18.5 M | 33.4 M | 21 M | 33.4 M | 21 M | 19.9 M | 10.5 M | 19.9 M | 10.5 M | 16.3 M | 9.01 M | 16.3 M | 9.01 M | 119 M | 54.8 M | 119 M | 54.8 M |
Book Value |
574 M | 567 M | 560 M | 567 M | 560 M | 512 M | 506 M | 512 M | 506 M | 470 M | 454 M | 470 M | 454 M | 337 M | 437 M | 337 M | 326 M | 321 M | 325 M | 302 M | 293 M | 283 M | 283 M | 2.62 B | 2.54 B | 258 M | 2.54 B | 2.31 B | 2.25 B | 2.21 B | 2.21 B | 2.21 B | 1.94 B | 201 M | 1.89 B | 1.78 B | 1.76 B | 173 M | 346 M | 130 M | 129 M | 126 M | 126 M | 119 M | 136 M | 133 M | 133 M | 130 M | 126 M | 111 M | 126 M | 105 M | 103 M | 102 M | 102 M | 98.9 M | 97 M | 94.7 M | 94.7 M | 91.2 M | 68.9 M | 55.7 M | 55.7 M |
Total Shareholders Equity |
574 M | 567 M | 560 M | 567 M | 560 M | 512 M | 506 M | 512 M | 506 M | 470 M | 454 M | 470 M | 454 M | 337 M | 437 M | 337 M | 326 M | 321 M | 325 M | 302 M | 293 M | 283 M | 283 M | 268 M | 260 M | 258 M | 258 M | 249 M | 242 M | 238 M | 238 M | 224 M | 206 M | 201 M | 201 M | 180 M | 177 M | 173 M | 173 M | 130 M | 129 M | 126 M | 126 M | 119 M | 136 M | 133 M | 133 M | 130 M | 126 M | 111 M | 126 M | 105 M | 103 M | 102 M | 102 M | 98.9 M | 97 M | 94.7 M | 94.7 M | 91.2 M | 68.9 M | 55.7 M | 55.7 M |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Southern Missouri Bancorp, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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