Southern Missouri Bancorp, Inc. (SMBC)

Solvency & Capital Structure

Total Debt

$148.3M

Net Debt

-$393.5M

Southern Missouri Bancorp, Inc. currently has $148.3M in total debt. Net debt is -$393.5M after cash offsets. This 'Net Cash' position indicates exceptional financial strength.

Financial Fundamentals

SMBC • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	0.15	0.54	-0.39Net Cash	5.23	2.8%
2026-04-21	0.15	0.53	-0.38Net Cash	5.14	2.9%
2025-12-31	0.15	0.58	-0.43Net Cash	5.09	2.9%
2025-09-30	0.15	0.27	-0.13Net Cash	5.04	2.9%
2025-06-30	0.14	0.65	-0.51Net Cash	5.02	2.8%
2025-03-31	0.14	0.40	-0.26Net Cash	4.98	2.9%
2024-12-31	0.15	0.34	-0.19Net Cash	4.91	3.0%
2024-09-30	0.15	0.50	-0.35Net Cash	4.73	3.1%
2024-06-30	0.13	0.49	-0.35Net Cash	4.60	2.9%
2024-03-31	0.13	0.60	-0.48Net Cash	4.65	2.7%
2023-12-31	0.14	0.63	-0.50Net Cash	4.64	2.9%
2023-09-30	0.14	0.49	-0.36Net Cash	4.47	3.1%
2023-06-30	0.16	0.47	-0.32Net Cash	4.36	3.6%
2023-03-31	0.07	0.55	-0.48Net Cash	4.29	1.6%
2022-12-31	0.08	0.29	-0.20Net Cash	3.45	2.5%
2022-09-30	0.25	0.28	-0.04Net Cash	3.44	7.2%
2022-06-30	0.06	0.33	-0.27Net Cash	3.21	1.9%
2022-03-31	0.07	0.48	-0.41Net Cash	3.26	2.0%
2021-12-31	0.05	0.39	-0.34Net Cash	2.92	1.8%
2021-09-30	0.06	0.32	-0.26Net Cash	2.74	2.3%
2021-06-30	0.07	0.33	-0.26Net Cash	2.70	2.7%
2021-03-31	0.08	0.43	-0.35Net Cash	2.73	2.9%
2020-12-31	0.08	0.33	-0.25Net Cash	2.62	3.0%
2020-09-30	0.10	0.22	-0.12Net Cash	2.54	4.0%
2020-06-30	0.09	0.23	-0.15Net Cash	2.54	3.4%
2020-03-31	0.14	0.24	-0.10Net Cash	2.37	6.0%
2019-12-31	0.13	0.22	-0.09Net Cash	2.31	5.7%
2019-09-30	0.12	0.20	-0.08Net Cash	2.25	5.4%
2019-06-30	0.07	0.20	-0.13Net Cash	2.21	3.0%
2019-03-31	0.06	0.19	-0.13Net Cash	2.18	2.8%
2018-12-31	0.18	0.24	-0.06Net Cash	2.21	8.1%
2018-09-30	0.14	0.17	-0.03Net Cash	1.94	7.2%
2018-06-30	0.10	0.17	-0.08Net Cash	1.89	5.2%
2018-03-31	0.07	0.18	-0.11Net Cash	1.85	3.9%
2017-12-31	0.08	0.18	-0.10Net Cash	1.78	4.6%
2017-09-30	0.11	0.17	-0.06Net Cash	1.76	6.2%
2017-06-30	0.07	0.18	-0.10Net Cash	1.71	4.2%
2017-03-31	0.08	0.16	-0.07Net Cash	1.50	5.6%
2016-12-31	0.14	0.16	-0.02Net Cash	1.49	9.7%
2016-09-30	0.17	0.15	0.02	1.47	11.5%
2016-06-30	0.15	0.15	-0.00Net Cash	1.40	10.8%
2016-03-31	0.09	0.15	-0.05Net Cash	1.34	7.1%
2015-12-31	0.10	0.15	-0.06Net Cash	1.34	7.2%
2015-09-30	0.12	0.15	-0.03Net Cash	1.32	9.2%
2015-06-30	0.11	0.15	-0.04Net Cash	1.30	8.2%
2015-03-31	0.11	0.16	-0.05Net Cash	1.30	8.3%
2014-12-31	0.10	0.19	-0.09Net Cash	1.30	7.6%
2014-09-30	0.15	0.18	-0.04Net Cash	1.30	11.3%
2014-06-30	0.12	0.15	-0.03Net Cash	1.02	11.8%
2014-03-31	0.09	0.15	-0.07Net Cash	0.99	8.9%
2013-12-31	0.11	0.13	-0.02Net Cash	0.95	11.8%
2013-09-30	0.09	0.10	-0.00Net Cash	0.83	10.9%
2013-06-30	0.06	0.09	-0.03Net Cash	0.80	7.5%
2013-03-31	0.06	0.12	-0.06Net Cash	0.79	7.5%
2012-12-31	0.06	0.10	-0.03Net Cash	0.77	8.1%
2012-09-30	0.07	0.01	0.06	0.74	9.8%
2012-06-30	0.06	0.11	-0.05Net Cash	0.74	7.8%
2012-03-31	0.03	0.09	-0.06Net Cash	0.75	4.2%
2011-12-31	0.04	0.12	-0.08Net Cash	0.77	5.3%
2011-09-30	0.04	0.06	-0.01Net Cash	0.72	5.7%
2011-06-30	0.07	0.03	0.03	0.69	9.6%
2011-03-31	0.07	0.05	0.01	0.70	9.5%
2010-12-31	0.07	0.03	0.04	0.69	10.5%
2010-09-30	0.08	0.03	0.05	0.57	14.1%
2010-06-30	0.08	0.03	0.05	0.55	14.7%
2010-03-31	0.08	0.04	0.04	0.54	14.8%
2009-12-31	0.09	0.03	0.06	0.53	16.7%
2009-09-30	0.10	0.01	0.08	0.51	19.0%
2009-06-30	0.11	0.01	0.10	0.47	23.5%
2009-03-31	0.11	0.01	0.10	0.46	23.3%
2008-12-31	0.13	0.01	0.11	0.45	27.7%
2008-09-30	0.12	0.01	0.11	0.43	27.5%
2008-06-30	0.09	0.01	0.09	0.42	22.3%
2008-03-31	0.09	0.00	0.08	0.41	22.1%
2007-12-31	0.09	0.01	0.08	0.39	22.0%
2007-09-30	0.02	0.01	0.02	0.39	6.1%
2007-06-30	0.08	0.01	0.07	0.38	20.8%
2007-03-31	0.09	0.01	0.08	0.37	23.8%
2006-12-31	0.08	0.01	0.07	0.37	22.7%
2006-09-30	0.08	0.00	0.08	0.36	23.1%
2006-06-30	0.06	0.01	0.06	0.35	18.4%
2006-03-31	0.07	0.02	0.05	0.36	19.7%
2005-12-30	0.07	0.01	0.06	0.35	19.3%
2005-09-30	0.08	0.01	0.08	0.34	24.3%
2005-06-30	0.08	0.00	0.08	0.33	24.1%
2005-03-31	0.07	0.01	0.07	0.33	22.1%
2004-12-31	0.08	0.01	0.07	0.33	25.0%
2004-09-30	0.08	0.01	0.08	0.32	25.2%
2004-06-30	0.08	0.00	0.08	0.31	26.0%
2004-03-31	0.07	0.00	0.06	0.30	22.3%
2003-12-31	0.07	0.01	0.06	0.30	23.7%
2003-09-30	0.06	0.01	0.06	0.29	22.0%
2003-06-30	0.06	0.01	0.05	0.28	21.0%
2003-03-31	0.06	0.01	0.05	0.28	19.6%
2002-12-31	0.05	0.01	0.05	0.27	19.6%
2002-09-30	0.05	0.01	0.05	0.27	20.0%
2002-06-30	0.05	0.01	0.04	0.27	19.3%
2002-03-31	0.05	0.01	0.04	0.26	18.6%
2001-12-31	0.05	0.01	0.04	0.25	19.0%
2001-09-30	0.05	0.01	0.04	0.25	18.5%
2001-06-30	0.04	0.01	0.03	0.24	17.1%
2001-03-31	0.04	0.01	0.03	0.23	18.2%
2000-12-31	0.04	0.01	0.04	0.22	19.6%
2000-09-30	0.04	0.01	0.03	0.22	16.3%
2000-06-30	0.04	0.00	0.03	0.18	20.1%
2000-03-31	0.03	0.00	0.03	0.18	16.8%
1999-12-31	0.03	0.01	0.02	0.17	16.1%
1999-09-30	0.02	0.00	0.02	0.17	14.6%
1999-06-30	0.02	0.00	0.02	0.17	12.5%
1999-03-31	0.02	0.01	0.01	0.17	11.9%
1998-12-31	0.02	0.01	0.01	0.16	12.5%
1998-09-30	0.02	0.01	0.01	0.16	12.7%
1998-06-30	0.02	0.00	0.02	0.16	13.5%
1998-03-31	0.02	0.01	0.01	0.16	13.7%
1997-12-31	0.02	0.01	0.01	0.16	13.1%
1997-09-30	0.02	0.01	0.01	0.16	10.7%
1997-06-30	0.01	0.00	0.01	0.16	8.4%
1997-03-31	0.01	0.01	0.00	0.17	8.1%
1996-12-31	0.01	0.01	0.01	0.16	8.5%
1996-09-30	0.01	0.00	0.01	0.16	7.8%