Poplar Bluff, MO · Cert 28332 · Southern Missouri Bcorp Inc.
State charter, Fed member · FED · 66 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 3.7% share · #10 of 41 inst. · $0.6B of $17.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.18% | 1.33% | 1.33% | 1.32% | 1.36% | 1.44% | 1.53% | +20 bps | |
| Return on Equity | 11.78% | 12.25% | 13.67% | 13.48% | 13.25% | 13.54% | 13.80% | 14.63% | +115 bps | |
| Net Interest Margin | 3.13% | 3.06% | 3.25% | 3.28% | 3.32% | 3.31% | 3.44% | 3.43% | +16 bps | |
| Efficiency Ratio | 57.56% | 56.59% | 53.49% | 53.40% | 52.21% | 51.58% | 51.18% | 49.89% | -351 bps | |
| Non-Interest Burden | 1.56% | 1.49% | 1.50% | 1.49% | 1.47% | 1.45% | 1.49% | 1.43% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.86% | 5.74% | 7.16% | 9.11% | 6.56% | 3.85% | 3.35% | 4.37% | -474 bps | |
| Loan Growth (YoY) | 7.21% | 7.91% | 6.71% | 6.53% | 5.69% | 4.99% | 7.44% | 7.13% | +61 bps | |
| Deposit Growth (YoY) | 5.18% | 5.39% | 6.63% | 8.66% | 6.03% | 2.23% | 1.80% | 2.83% | -584 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.21% | 0.55% | 0.56% | 0.62% | 0.70% | 0.70% | 0.63% | +7 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.11% | 0.31% | 0.32% | 0.22% | 0.03% | 0.21% | -10 bps | |
| Allowance / Loans | 1.37% | 1.36% | 1.37% | 1.26% | 1.24% | 1.29% | 1.29% | 1.25% | -1 bps | |
| Allowance Coverage of NPLs | 6.6x | 6.6x | 2.5x | 2.2x | 2.0x | 1.8x | 1.9x | 2.0x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.92% | 9.80% | 9.82% | 10.05% | 10.18% | 10.34% | 10.38% | 10.45% | +40 bps | |
| Total Risk-Based Capital | 12.53% | 12.73% | 13.22% | 13.34% | 13.27% | 13.38% | 13.23% | 13.37% | +2 bps | |
| Equity / Assets | 9.88% | 9.64% | 9.82% | 10.03% | 10.29% | 10.45% | 10.44% | 10.45% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.81% | 95.27% | 94.05% | 95.38% | 97.49% | 97.84% | 99.26% | 99.37% | +399 bps | |
| Liquid Assets / Assets | 0.44% | 1.22% | 2.99% | 2.25% | 1.03% | 0.68% | 0.04% | 0.12% | -212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 416% | 409% | 413% | n/a | n/a | |