Updated
The most significant concentration Southern Missouri Bancorp discloses is commercial real estate and commercial business loans at 55.9%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Southern Missouri Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'At June 30, 2025, 55.9% of our loans, net, consisted of commercial real estate, excluding construction as previously mentioned above, and commercial business loans to small and mid-sized businesses'”
“10-K Item 1A: 'Our business activities and credit exposure are primarily concentrated in Missouri and northern Arkansas.'”
“10-K Item 1A: 'Our construction loan portfolio, which totaled $332.4 million, or 8.2% of loans, net, at June 30, 2025'”
Southern Missouri Bancorp's concentration profile is dominated by its loan mix and geographic footprint. As of June 30, 2025, commercial real estate (excluding construction) and commercial business loans to small and mid-sized businesses made up 55.9% of net loans, a large share that reflects the bank's core lending strategy rather than a dependency on any single borrower. That lending activity, along with the bank's broader credit exposure, is concentrated in Missouri and northern Arkansas, tying performance to regional economic conditions in a defined footprint. A smaller construction loan portfolio, at $332.4 million or 8.2% of net loans, adds a modest additional slice of credit-cycle sensitivity. None of these exposures stem from a single counterparty; all three are structural features of a community bank's business model. The practical implication is that results are more sensitive to a downturn in Missouri/Arkansas commercial real estate and business credit conditions than to any idiosyncratic customer or supplier event, with the smaller construction book the least significant of the three.
For the engine’s reasoning on SMBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| SMBC● | Southern Missouri Bancorp, Inc. | 1 | 1 | 1 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.