Updated
The most significant concentration Southern Missouri Bancorp discloses is commercial real estate and commercial business loans at 55.8%, 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, 2026, 55.8% of our loans consisted of commercial real estate, excluding construction as previously mentioned above, and commercial business loans'”
“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 $310.0 million, or 7.1% of loans at June 30, 2026'”
“10-K Item 1A: 'Our agricultural real estate loans totaled $295.8 million, or 6.8% of our loan portfolio at June 30, 2026'”
Southern Missouri Bancorp's concentrations are the familiar ones for a community bank, and they overlap. At June 30, 2026, 55.8% of loans consisted of commercial real estate, excluding construction, and commercial business loans. That is a high-share, structural exposure, and it is the one that most determines credit outcomes through a downturn. Geography adds to it: the business activities and credit exposure are primarily concentrated in Missouri and northern Arkansas, a medium-share exposure. Because the loan book and the region are tied together, a regional economic or property-market slowdown would hit the largest loan category directly. Two smaller, narrower categories sit within the book. The construction loan portfolio, which totaled $310.0 million, or 7.1% of loans, and agricultural real estate loans, which totaled $295.8 million, or 6.8% of the loan portfolio, are both low-share exposures. They add sector-specific risk, construction cyclicality and farmland and commodity conditions, without altering the overall picture. Net, commercial lending and the regional footprint are the items that could move the verdict, and the construction and agricultural pieces are contained tails.
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 | 2 | 4 |
| 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.