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  <xsd:element name="AssumedFloatingRateJuniorSubordinatedDebtSecurities" id="smbc_AssumedFloatingRateJuniorSubordinatedDebtSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxAssetsProvisionForLossesOnLoans" id="smbc_DeferredTaxAssetsProvisionForLossesOnLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxAssetsNolCarryForwardsAcquired" id="smbc_DeferredTaxAssetsNolCarryForwardsAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxLiabilitiesPurchaseAccountingAdjustments" id="smbc_DeferredTaxLiabilitiesPurchaseAccountingAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxLiabilitiesDepreciation" id="smbc_DeferredTaxLiabilitiesDepreciation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxLiabilitiesFhlbStockDividends" id="smbc_DeferredTaxLiabilitiesFhlbStockDividends" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="GainsLossesRecognizedOnAssetsMeasuredOnANonrecurringBasisTextBlock" id="smbc_GainsLossesRecognizedOnAssetsMeasuredOnANonrecurringBasisTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GainsLossesRecognizedOnAssetsMeasuredOnANonRecurringBasis" id="smbc_GainsLossesRecognizedOnAssetsMeasuredOnANonRecurringBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="FairValueMeasurementsNonrecurringRangeOfDiscountsApplied" id="smbc_FairValueMeasurementsNonrecurringRangeOfDiscountsApplied" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FairValueMeasurementsNonrecurringWeightedAverageDiscountApplied" id="smbc_FairValueMeasurementsNonrecurringWeightedAverageDiscountApplied" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfFinancialInstrumentsTextBlock" id="smbc_ScheduleOfFinancialInstrumentsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DepositAccountChargesAndRelatedFees" id="smbc_DepositAccountChargesAndRelatedFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoanServicingFees" id="smbc_LoanServicingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="OtherLoanFees" id="smbc_OtherLoanFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="StockOptionAndStockGrantExpense" id="smbc_StockOptionAndStockGrantExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AmortizationOfPurchaseAccountingAdjustments" id="smbc_AmortizationOfPurchaseAccountingAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="GainOnSalesOfLoansHeldForSale" id="smbc_GainOnSalesOfLoansHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ConversionOfLoansToForeclosedRealEstate" id="smbc_ConversionOfLoansToForeclosedRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ConversionOfLoansToRepossessedAssets" id="smbc_ConversionOfLoansToRepossessedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="CashPaidDuringThePeriodForAbstract" id="smbc_CashPaidDuringThePeriodForAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestBearingTimeDepositsTextBlock" id="smbc_InterestBearingTimeDepositsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxAssetsAccruedCompensationAndBenefits" id="smbc_DeferredTaxAssetsAccruedCompensationAndBenefits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxAssetsUnrealizedLossOnOtherRealEstate" id="smbc_DeferredTaxAssetsUnrealizedLossOnOtherRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfReconciliationOfIncomeTaxExpenseAtTheStatutoryRateToActualIncomeTaxTextBlock" id="smbc_ScheduleOfReconciliationOfIncomeTaxExpenseAtTheStatutoryRateToActualIncomeTaxTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConsolidatedBalanceSheetMember" id="smbc_ConsolidatedBalanceSheetMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConsolidatedStatementOfIncomeMember" id="smbc_ConsolidatedStatementOfIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SupplementalDisclosuresOfCashFlowInformationMember" id="smbc_SupplementalDisclosuresOfCashFlowInformationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OperatingLeaseCostsClassifiedAsOccupancyAndEquipmentExpense" id="smbc_OperatingLeaseCostsClassifiedAsOccupancyAndEquipmentExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OperatingCashFlowsFromOperatingLeases" id="smbc_OperatingCashFlowsFromOperatingLeases" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OrganizationAndSummaryOfSignificantAccountingPoliciesAbstract" id="smbc_OrganizationAndSummaryOfSignificantAccountingPoliciesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RedeemableDebtInstrumentTerm" id="smbc_RedeemableDebtInstrumentTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CertificateOfDeposits" id="smbc_CertificateOfDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="RangeOnRateOfCertificatesAxis" id="smbc_RangeOnRateOfCertificatesAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RangeOnRateOfCertificatesDomain" id="smbc_RangeOnRateOfCertificatesDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaturityPeriodAxis" id="smbc_MaturityPeriodAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaturityPeriodDomain" id="smbc_MaturityPeriodDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TrustPreferredSecuritiesMember" id="smbc_TrustPreferredSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PeriodAxis" id="smbc_PeriodAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PeriodDomain" id="smbc_PeriodDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BasisOfPresentationAbstract" id="smbc_BasisOfPresentationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RetirementPlanVestingPeriod" id="smbc_RetirementPlanVestingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConstructionPortfolioSegmentMember" id="smbc_ConstructionPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfPurchasedParticipationLoans" id="smbc_NumberOfPurchasedParticipationLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PurchasedParticipationLoans" id="smbc_PurchasedParticipationLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FixedRateAndAdjustableRateMortgageLoansAmortizationPeriod" id="smbc_FixedRateAndAdjustableRateMortgageLoansAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansCanBeTakenMaximumPercentageOfAppraisedValueOrPurchasePrice" id="smbc_LoansCanBeTakenMaximumPercentageOfAppraisedValueOrPurchasePrice" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAmortizationPeriod" id="smbc_LoansAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansFixedInterestRateApplicabilityTerm" id="smbc_LoansFixedInterestRateApplicabilityTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAdjustedInterestRateApplicabilityTerm" id="smbc_LoansAdjustedInterestRateApplicabilityTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AgricultureLoansAmortizationPeriodIfEightyPercentOfLoanToValueRatio" id="smbc_AgricultureLoansAmortizationPeriodIfEightyPercentOfLoanToValueRatio" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AgricultureLoansAmortizationPeriodIfSeventyFivePercentOfLoanToValueRatio" id="smbc_AgricultureLoansAmortizationPeriodIfSeventyFivePercentOfLoanToValueRatio" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConstructionLoansSingleFamilyResidentialRealEstateMaturities" id="smbc_ConstructionLoansSingleFamilyResidentialRealEstateMaturities" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConstructionLoansMultiFamilyResidentialAndCommercialRealEstateMaturities" id="smbc_ConstructionLoansMultiFamilyResidentialAndCommercialRealEstateMaturities" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CollateralDependentLoansMember" id="smbc_CollateralDependentLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesMember" id="smbc_CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" id="smbc_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FairValueAssetLiabilityMeasuredOnNonrecurringBasisWithUnobservableInputs" id="smbc_FairValueAssetLiabilityMeasuredOnNonrecurringBasisWithUnobservableInputs" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="InvestmentsInStateAndFederalTaxCredits" id="smbc_InvestmentsInStateAndFederalTaxCredits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NumberOfLoanSegments" id="smbc_NumberOfLoanSegments" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageBackedSecuritiesAndCollateralizedMortgageObligationsMember" id="smbc_MortgageBackedSecuritiesAndCollateralizedMortgageObligationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TermOfInterestBearingDeposits" id="smbc_TermOfInterestBearingDeposits" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfBalanceInAllowanceForLoanLossesAndRecordedInvestmentTableTextBlock" id="smbc_ScheduleOfBalanceInAllowanceForLoanLossesAndRecordedInvestmentTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfLoanPortfolioAgingAnalysisTableTextBlock" id="smbc_ScheduleOfLoanPortfolioAgingAnalysisTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ForeclosedRealEstatePolicyTextBlock" id="smbc_ForeclosedRealEstatePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AllowanceForOffBalanceCreditExposureTableTextBlock" id="smbc_AllowanceForOffBalanceCreditExposureTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ChangeInUnrealizedLossOnAvailableForSaleSecurities" id="smbc_ChangeInUnrealizedLossOnAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="FortuneFinancialCorporationMember" id="smbc_FortuneFinancialCorporationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestBearingTimeDepositsFairValueDisclosure" id="smbc_InterestBearingTimeDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="StockInFederalHomeLoanBankFairValueDisclosure" id="smbc_StockInFederalHomeLoanBankFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="StockInFederalReserveBankFairValueDisclosure" id="smbc_StockInFederalReserveBankFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AccruedInterestReceivableFairValueDisclosure" id="smbc_AccruedInterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="IncomeTaxReconciliationDeductionLifeInsurance" id="smbc_IncomeTaxReconciliationDeductionLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SubordinatedNotesIssuedInMay2021Member" id="smbc_SubordinatedNotesIssuedInMay2021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" id="smbc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ForeclosedPropertyExpensesLosses" id="smbc_ForeclosedPropertyExpensesLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="IncreaseDecreaseInLoans" id="smbc_IncreaseDecreaseInLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NetChangeInterestBearingDeposits" id="smbc_NetChangeInterestBearingDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablePurchasedWithCreditDeterioration90DaysOrMorePastDueNonAccrualNumberOfContracts" id="smbc_FinancingReceivablePurchasedWithCreditDeterioration90DaysOrMorePastDueNonAccrualNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="NetChangeInCertificatesOfDeposits" id="smbc_NetChangeInCertificatesOfDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAfterLoanInProcess" id="smbc_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAfterLoanInProcess" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FairValueMeasurementValuationProcessesDescription" id="smbc_FairValueMeasurementValuationProcessesDescription" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="WealthManagementAssetsAndFeesPolicyPolicyTextBlock" id="smbc_WealthManagementAssetsAndFeesPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NonEmployeeDirectorsRetirementPolicyPolicyTextBlock" id="smbc_NonEmployeeDirectorsRetirementPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FiduciaryAssets" id="smbc_FiduciaryAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="GrossChargeOffsByLoanClassAndYearOfOriginationTableTextBlock" id="smbc_GrossChargeOffsByLoanClassAndYearOfOriginationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NonEmployeeDirectorsRetirementAwardAwardPeriod" id="smbc_NonEmployeeDirectorsRetirementAwardAwardPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RecordedInvestmentModificationsNumberOfLoans" id="smbc_RecordedInvestmentModificationsNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="Automobiles" id="smbc_Automobiles" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MortgageServicingAssetsMember" id="smbc_MortgageServicingAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CollateralValueMember" id="smbc_CollateralValueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestRateSwapOneMember" id="smbc_InterestRateSwapOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestRateSwapTwoMember" id="smbc_InterestRateSwapTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AgricultureRealEstatePortfolioMember" id="smbc_AgricultureRealEstatePortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialAndIndustrialPortfolioMember" id="smbc_CommercialAndIndustrialPortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AgricultureProductionPortfolioMember" id="smbc_AgricultureProductionPortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansCanBeTakenMaximumPercentageOfAppraisedValueOrEstimatedValueOfProperty" id="smbc_LoansCanBeTakenMaximumPercentageOfAppraisedValueOrEstimatedValueOfProperty" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LoansTerm" id="smbc_LoansTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BalloonMaturitiesAmortizationPeriod" id="smbc_BalloonMaturitiesAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OtherCollateralizedAssetsMember" id="smbc_OtherCollateralizedAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfLeasedProperties" id="smbc_NumberOfLeasedProperties" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="ScheduleOfCollateralReceivedThatCanBeResoldOrRepledgedRepurchaseAgreementsTableTextBlock" id="smbc_ScheduleOfCollateralReceivedThatCanBeResoldOrRepledgedRepurchaseAgreementsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="IncreaseDecreaseInSecuritiesSoldUnderAgreementsToRepurchase" id="smbc_IncreaseDecreaseInSecuritiesSoldUnderAgreementsToRepurchase" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InterestBearingTimeDeposits" id="smbc_InterestBearingTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PurchaseOfTreasuryStock" id="smbc_PurchaseOfTreasuryStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScenarioOneMember" id="smbc_ScenarioOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoanToValuePercentage" id="smbc_LoanToValuePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScenarioTwoMember" id="smbc_ScenarioTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialAndResidentialRealEstateMember" id="smbc_CommercialAndResidentialRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableModificationsNumberOfContracts" id="smbc_FinancingReceivableModificationsNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NumberOfNonAccrualLoansIndividuallyEvaluated" id="smbc_NumberOfNonAccrualLoansIndividuallyEvaluated" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedNonAccrualLoans" id="smbc_FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedNonAccrualLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NumberOfActiveSubsidiaries" id="smbc_NumberOfActiveSubsidiaries" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NumberOfInactiveSubsidiaries" id="smbc_NumberOfInactiveSubsidiaries" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StockOptionsAndRestrictedStockMember" id="smbc_StockOptionsAndRestrictedStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FairValueAssetsLevel1ToLevel2Transfers" id="smbc_FairValueAssetsLevel1ToLevel2Transfers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FairValueLiabilitiesLevel1ToLevel2Transfers" id="smbc_FairValueLiabilitiesLevel1ToLevel2Transfers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FairValueAssetsLevel2ToLevel1Transfers" id="smbc_FairValueAssetsLevel2ToLevel1Transfers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FairValueLiabilitiesLevel2ToLevel1Transfers" id="smbc_FairValueLiabilitiesLevel2ToLevel1Transfers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InvestmentTaxCreditsObtainedInExchangeForSettlementOfLoans" id="smbc_InvestmentTaxCreditsObtainedInExchangeForSettlementOfLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InvestmentTaxCreditsObtainedInExchangeForDelayedCapitalContributions" id="smbc_InvestmentTaxCreditsObtainedInExchangeForDelayedCapitalContributions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AdjustmentsToAdditionalPaidInCapitalStockOptionsExercised" id="smbc_AdjustmentsToAdditionalPaidInCapitalStockOptionsExercised" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="GainOnSaleOfInvestmentTaxCredit" id="smbc_GainOnSaleOfInvestmentTaxCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ProceedsFromSaleOfInvestmentTaxCredits" id="smbc_ProceedsFromSaleOfInvestmentTaxCredits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InvestmentTaxCreditsCancelledInExchangeForSaleOfMembershipInterest" id="smbc_InvestmentTaxCreditsCancelledInExchangeForSaleOfMembershipInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
</xsd:schema>
