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.
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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'”
Southern Missouri Bancorp's disclosed concentration is in its loan book. At June 30, 2025, 55.9% of loans, net, consisted of commercial real estate, excluding construction, and commercial business loans. That is a high-share exposure, and the filing characterizes it as structural. For a community bank, this mix is a feature of the franchise rather than a one-off position, which is why it reads as structural rather than a single-name dependency. The risk is correlated: commercial real estate and commercial business credit tend to respond to the same local economic conditions, interest-rate moves and property-market cycles, so stress in one area is likely to show up in the other. Because the concentration is a category of credit and not an individual borrower, the exposure is diversified across many loans but not across risk types. Taken together, the single disclosed concentration is the lens through which credit quality and capital adequacy should be judged. It is the one item that could move the verdict, particularly if commercial property values or local business conditions weaken.
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 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| SMBC● | Southern Missouri Bancorp, Inc. | 1 | 0 | 0 | 1 |
| 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.