Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 2.83% is in line with its 5-year average of 2.71%, near the low end of its 5-year range (1.59%–7.20%).
As of the fiscal period ended Tuesday, June 30, 2026. 0.87% below its 12-month average of 2.86%.
Reported quarterly debt to assets ratio; no daily interpolation. Q4 FY2026 (2026-06-30): 2.83%.
DEBT TO ASSETS RATIO
2.83%
DEBT TO ASSETS RATIO AVG TTM
2.86%
DEBT TO ASSETS RATIO AVG 3Y
2.90%
DEBT TO ASSETS RATIO AVG 5Y
2.71%
DEBT TO ASSETS RATIO AVG 10Y
3.72%
DEBT TO ASSETS RATIO AVG 15Y
5.59%
DEBT TO ASSETS RATIO AVG 20Y
8.46%
CURRENT VS TTM AVG
-0.87%
CURRENT VS 3Y AVG
-2.31%
CURRENT VS 5Y AVG
+4.54%
CURRENT VS 10Y AVG
-23.86%
CURRENT VS 15Y AVG
-49.35%
CURRENT VS 20Y AVG
-66.52%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+5565.09%
vs the sector median at left
Southern Missouri Bancorp, Inc.
Market Cap
$788.83M
Debt to Assets Ratio
2.83%
TTM Avg
2.86%
3Y Avg
2.90%
5Y Avg
2.71%
Market Cap
$782.81M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$773.28M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$805.64M
Debt to Assets Ratio
0.61%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$812.04M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$813.16M
Debt to Assets Ratio
0.08%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$817.02M
Debt to Assets Ratio
0.27%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Southern Missouri Bancorp, Inc. (SMBC) | $788.83M | 2.83% | 2.86% | 2.90% | 2.71% |
| River City Bank (RCBC)vs › | $787.88M | 0.00% | N/A | N/A | N/A |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $782.81M | 0.01% | N/A | N/A | N/A |
| Financial Institutions, Inc. (FISI)vs › | $773.28M | 0.05% | N/A | N/A | N/A |
| GCM Grosvenor Inc. (GCMG)vs › | $805.64M | 0.61% | N/A | N/A | N/A |
| Orrstown Financial Services, Inc. (ORRF)vs › | $812.04M | 0.05% | N/A | N/A | N/A |
| Alerus Financial Corporation (ALRS)vs › | $813.16M | 0.08% | N/A | N/A | N/A |
| PRA Group, Inc. (PRAA)vs › | $764.34M | 0.01% | N/A | N/A | N/A |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | 0.27% | N/A | N/A | N/A |
| South Plains Financial, Inc. (SPFI)vs › | $818.67M | 0.01% | N/A | N/A | N/A |
Debt/Assets
2.8%
Debt/Equity
0.25
Current ratio and interest coverage is unavailable for Southern Missouri Bancorp, Inc.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 2.83% |
| 2026-04-21 | 2.88% |
| 2025-12-31 | 2.85% |
| 2025-09-30 | 2.88% |
| 2025-06-30 | 2.83% |
| 2025-03-31 | 2.86% |
| 2024-12-31 | 2.96% |
| 2024-09-30 | 3.07% |
| 2024-06-30 | 2.92% |
| 2024-03-31 | 2.69% |
| 2023-12-31 | 2.93% |
| 2023-09-30 | 3.07% |
| 2023-06-30 | 3.59% |
| 2023-03-31 | 1.59% |
| 2022-12-31 | 2.45% |
| 2022-09-30 | 7.20% |
| 2022-06-30 | 1.90% |
| 2022-03-31 | 2.02% |
| 2021-12-31 | 1.77% |
| 2021-09-30 | 2.26% |
| 2021-06-30 | 2.69% |
| 2021-03-31 | 2.85% |
| 2020-12-31 | 2.99% |
| 2020-09-30 | 3.97% |
| 2020-06-30 | 3.35% |
| 2020-03-31 | 5.96% |
| 2019-12-31 | 5.74% |
| 2019-09-30 | 5.39% |
| 2019-06-30 | 3.04% |
| 2019-03-31 | 2.81% |
| 2018-12-31 | 8.08% |
| 2018-09-30 | 7.20% |
| 2018-06-30 | 5.19% |
| 2018-03-31 | 3.92% |
| 2017-12-31 | 4.59% |
| 2017-09-30 | 6.19% |
| 2017-06-30 | 4.20% |
| 2017-03-31 | 5.64% |
| 2016-12-31 | 9.71% |
| 2016-09-30 | 11.53% |
| 2016-06-30 | 10.83% |
| 2016-03-31 | 7.06% |
| 2015-12-31 | 7.23% |
| 2015-09-30 | 9.18% |
| 2015-06-30 | 8.21% |
| 2015-03-31 | 8.26% |
| 2014-12-31 | 7.63% |
| 2014-09-30 | 11.34% |
| 2014-06-30 | 11.82% |
| 2014-03-31 | 8.88% |
| 2013-12-31 | 11.83% |
| 2013-09-30 | 10.88% |
| 2013-06-30 | 7.47% |
| 2013-03-31 | 7.45% |
| 2012-12-31 | 8.14% |
| 2012-09-30 | 9.77% |
| 2012-06-30 | 7.76% |
| 2012-03-31 | 4.22% |
| 2011-12-31 | 5.27% |
| 2011-09-30 | 5.67% |
| 2011-06-30 | 9.58% |
| 2011-03-31 | 9.50% |
| 2010-12-31 | 10.54% |
| 2010-09-30 | 14.13% |
| 2010-06-30 | 14.69% |
| 2010-03-31 | 14.80% |
| 2009-12-31 | 16.72% |
| 2009-09-30 | 18.98% |
| 2009-06-30 | 23.55% |
| 2009-03-31 | 23.26% |
| 2008-12-31 | 27.67% |
| 2008-09-30 | 27.51% |
| 2008-06-30 | 22.28% |
| 2008-03-31 | 22.06% |
| 2007-12-31 | 22.04% |
| 2007-09-30 | 6.06% |
| 2007-06-30 | 20.79% |
| 2007-03-31 | 23.75% |
| 2006-12-31 | 22.70% |
| 2006-09-30 | 23.05% |
| 2006-06-30 | 18.40% |
| 2006-03-31 | 19.73% |
| 2005-12-30 | 19.32% |
| 2005-09-30 | 24.33% |
| 2005-06-30 | 24.06% |
| 2005-03-31 | 22.07% |
| 2004-12-31 | 24.97% |
| 2004-09-30 | 25.17% |
| 2004-06-30 | 26.04% |
| 2004-03-31 | 22.27% |
| 2003-12-31 | 23.72% |
| 2003-09-30 | 21.97% |
| 2003-06-30 | 21.02% |
| 2003-03-31 | 19.57% |
| 2002-12-31 | 19.61% |
| 2002-09-30 | 19.97% |
