Southern Missouri Bancorp Inc - Asset Resilience Ratio

Latest as of March 2026: 8.54%

Southern Missouri Bancorp Inc (SMBC) has an Asset Resilience Ratio of 8.54% as of March 2026. 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. Check asset allocation strategy of Southern Missouri Bancorp Inc to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$439.12 Million

Cash + Short-term Investments

Total Assets

$5.14 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2000–2025)

This chart shows how Southern Missouri Bancorp Inc's Asset Resilience Ratio has changed over time. See Southern Missouri Bancorp Inc balance sheet quality to measure how much of total assets are equity-financed.

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. For market capitalisation and broader financial context, see SMBC company net worth.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$439.12 Million	8.54%
Total Liquid Assets	$439.12 Million	8.54%

Asset Resilience Insights

Limited Liquidity: Southern Missouri Bancorp Inc maintains only 8.54% 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
Standard Bank Group Ltd JSE:SBK	Banks - Regional	-9.21%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
International Bancshares Corporation NASDAQ:IBOC	Banks - Regional	28.98%
Judo Capital Holdings Ltd AU:JDO	Banks - Regional	10.76%
TF Bank AB ST:TFBANK	Banks - Regional	-0.15%
Bank Tabungan Negara Persero JK:BBTN	Banks - Regional	-3.50%
Mystate Ltd AU:MYS	Banks - Regional	8.81%

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	--

pp = percentage points

About Southern Missouri Bancorp Inc

NASDAQ:SMBC USA Banks - Regional

Market Cap

$798.74 Million

Market Cap Rank

#10404 Global

#2712 in USA

Share Price

$72.51

Change (1 day)

+1.70%

52-Week Range

$47.85 - $72.51

All Time High

$72.51