Southern Missouri Bancorp Inc
Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposits products, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving accounts, certificates of deposit, and retirement savings… Read more
Southern Missouri Bancorp Inc - Asset Resilience Ratio
Southern Missouri Bancorp Inc (SMBC) has an Asset Resilience Ratio of 8.73% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Southern Missouri Bancorp Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Southern Missouri Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $444.96 Million | 8.73% |
| Total Liquid Assets | $444.96 Million | 8.73% |
Asset Resilience Insights
- Limited Liquidity: Southern Missouri Bancorp Inc maintains only 8.73% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Southern Missouri Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Southern Missouri Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Southern Missouri Bancorp Inc (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Southern Missouri Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-06-30 | 9.18% | $460.84 Million | $5.02 Billion | -0.11pp |
| 2024-06-30 | 9.29% | $427.90 Million | $4.60 Billion | -0.28pp |
| 2023-06-30 | 9.58% | $417.55 Million | $4.36 Billion | +2.25pp |
| 2022-06-30 | 7.32% | $235.38 Million | $3.21 Billion | -0.34pp |
| 2021-06-30 | 7.67% | $207.02 Million | $2.70 Billion | +0.72pp |
| 2020-06-30 | 6.94% | $176.52 Million | $2.54 Billion | -0.53pp |
| 2019-06-30 | 7.48% | $165.53 Million | $2.21 Billion | -0.28pp |
| 2018-06-30 | 7.76% | $146.32 Million | $1.89 Billion | -0.70pp |
| 2017-06-30 | 8.46% | $144.42 Million | $1.71 Billion | -0.75pp |
| 2016-06-30 | 9.20% | $129.22 Million | $1.40 Billion | -0.76pp |
| 2015-06-30 | 9.97% | $129.59 Million | $1.30 Billion | -2.78pp |
| 2014-06-30 | 12.75% | $130.22 Million | $1.02 Billion | +2.70pp |
| 2013-06-30 | 10.05% | $80.01 Million | $796.39 Million | -0.12pp |
| 2012-06-30 | 10.16% | $75.13 Million | $739.19 Million | +10.05pp |
| 2011-06-30 | 0.12% | $792.00K | $688.20 Million | -0.08pp |
| 2010-06-30 | 0.20% | $1.09 Million | $552.08 Million | -0.28pp |
| 2008-06-30 | 0.47% | $1.98 Million | $417.82 Million | -87.94pp |
| 2000-06-30 | 88.42% | $163.03 Million | $184.39 Million | -- |