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  <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="LesseeExpectedLeaseTerms" id="smbc_LesseeExpectedLeaseTerms" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DenominatorForDilutedEarningsPerShare" id="smbc_DenominatorForDilutedEarningsPerShare" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" 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="AmountOfLoansModifiedForOtherThanTdr" id="smbc_AmountOfLoansModifiedForOtherThanTdr" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NumberOfLoansModifiedForOtherThanTdr" id="smbc_NumberOfLoansModifiedForOtherThanTdr" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <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="FairValueOfPooledTrustPreferredSecuritiesHeld" id="smbc_FairValueOfPooledTrustPreferredSecuritiesHeld" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <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:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <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="ResidentialLoansMultiFamilyBalloonMaturitiesAmortizationPeriod" id="smbc_ResidentialLoansMultiFamilyBalloonMaturitiesAmortizationPeriod" 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="OneToFourFamilyResidentialLoansMember" id="smbc_OneToFourFamilyResidentialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" 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="PerformingLoansMember" id="smbc_PerformingLoansMember" 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="IncomeRecognizedFromLessorAgreements" id="smbc_IncomeRecognizedFromLessorAgreements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="EffectOfDilutiveSecuritiesStockOptionsAndAwards" id="smbc_EffectOfDilutiveSecuritiesStockOptionsAndAwards" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxProvisionTotal" id="smbc_IncomeTaxProvisionTotal" 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="MortgageBackedSecuritiesAndCollateralizedMortgageObligationsMember" id="smbc_MortgageBackedSecuritiesAndCollateralizedMortgageObligationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestBearingTimeDeposits" id="smbc_InterestBearingTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <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="ScheduleOfPerformingLoansClassifiedAsTroubledDebtRestructuringLoansTableTextBlock" id="smbc_ScheduleOfPerformingLoansClassifiedAsTroubledDebtRestructuringLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CreditRiskProfileTableTextBlock" id="smbc_CreditRiskProfileTableTextBlock" 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="AverageTermOfConstructionLoan" id="smbc_AverageTermOfConstructionLoan" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CreditQualityIndicatorsThresholdOfLendingRelationshipsAnnualCreditAnalysis" id="smbc_CreditQualityIndicatorsThresholdOfLendingRelationshipsAnnualCreditAnalysis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="CreditQualityIndicatorsMinimumLoanRelationshipsSubjectToIndependentLoanReview" id="smbc_CreditQualityIndicatorsMinimumLoanRelationshipsSubjectToIndependentLoanReview" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="LoanMaturityExtensionsIncrementalPeriods" id="smbc_LoanMaturityExtensionsIncrementalPeriods" type="xbrli:durationItemType" 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="NonInterestExpenseMember" id="smbc_NonInterestExpenseMember" 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="UnrecognizedFinancialInstrumentsNetOfContractAmountAbstract" id="smbc_UnrecognizedFinancialInstrumentsNetOfContractAmountAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LettersOfCreditFairValueDisclosure" id="smbc_LettersOfCreditFairValueDisclosure" 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="CollateralizedMortgageObligationsIssuedByGovernmentalSponsoredEnterprisesMember" id="smbc_CollateralizedMortgageObligationsIssuedByGovernmentalSponsoredEnterprisesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FirstNationalBankCairoMember" id="smbc_FirstNationalBankCairoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProvisionForLoanAndLeaseLossesIncludingOffBalanceSheetCreditLoss" id="smbc_ProvisionForLoanAndLeaseLossesIncludingOffBalanceSheetCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivablePurchasedWithCreditDeteriorationFairValue" id="smbc_FinancingReceivablePurchasedWithCreditDeteriorationFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="SubordinatedNotesIssuedInMay2021Member" id="smbc_SubordinatedNotesIssuedInMay2021Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SecuredOvernightFinancingRateMember" id="smbc_SecuredOvernightFinancingRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDeposits" id="smbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansReceivable" id="smbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" id="smbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMiscellaneousOtherAssets" id="smbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMiscellaneousOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositsLiabilities" id="smbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositsLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSubordinatedDebt" id="smbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSubordinatedDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMiscellaneousOtherLiabilities" id="smbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMiscellaneousOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="PurchaseCreditDeteriorationNumberOfLoans" id="smbc_PurchaseCreditDeteriorationNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivablePurchasedWithCreditDeterioration90DaysOrMorePastDue" id="smbc_FinancingReceivablePurchasedWithCreditDeterioration90DaysOrMorePastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PerformingFinancingReceivableModificationsNumberOfContracts" id="smbc_PerformingFinancingReceivableModificationsNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <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="CitizensBancsharesCo.Member" id="smbc_CitizensBancsharesCo.Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationConsiderationEquityInterestsIssuedAndIssuableSharesExchangeRatio" id="smbc_BusinessCombinationConsiderationEquityInterestsIssuedAndIssuableSharesExchangeRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BusinessCombinationConsiderationCashPaymentPerShare" id="smbc_BusinessCombinationConsiderationCashPaymentPerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BusinessCombinationConsiderationStockRatio" id="smbc_BusinessCombinationConsiderationStockRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BusinessCombinationConsiderationCashRatio" id="smbc_BusinessCombinationConsiderationCashRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ForeclosedPropertyExpensesLosses" id="smbc_ForeclosedPropertyExpensesLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
