SOUTHERN MISSOURI BANCORP, INC.

For the period ended Sep 30, 2025. Filed Nov 7, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 7, 2025

SMBC$71.49-0.6%Stored close · as of Nov 10, 2026

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Contents

- Condensed Consolidated Statements of Cash Flows

FOR THE THREE- MONTH PERIODS ENDED SEPTEMBER 30, 2025 AND 2024 (Unaudited)


· · Three months ended ·
· September 30, ·
(dollars in thousands) · 2025 · 2024

Cash Flows From Operating Activities:
Net Income	$15,650	$12,458
Items not requiring (providing) cash:
Depreciation	1,642	1,608
Loss on disposal of fixed assets	—	67
Stock option and stock grant expense	136	128
Loss on sale/write-down of foreclosed property	15	29
Amortization of intangible assets	857	897
Accretion of purchase accounting adjustments	(858)	(937)
Increase in cash surrender value of bank owned life insurance (BOLI)	(548)	(517)
Provision for credit losses	4,500	2,159
Net amortization of premiums and discounts on securities	(220)	(444)
Originations of loans held for sale	(5,998)	(4,637)
Proceeds from sales of loans held for sale	6,327	5,248
Gain on sales of loans held for sale	(175)	(361)
Changes in:
Accrued interest receivable	(4,573)	(5,123)
Prepaid expenses and other assets	(70)	(363)
Accounts payable and other liabilities	(2,412)	965
Deferred income taxes	879	—
Accrued interest payable	1,148	(1,185)
Net cash provided by operating activities	16,300	9,992
Cash Flows From Investing Activities:
Net increase in loans	(94,448)	(116,106)
Net change in interest-bearing deposits	1	248
Proceeds from maturities of available for sale securities	18,036	19,708
Purchases of Federal Home Loan Bank stock	(113)	(259)
Redemptions of Federal Home Loan Bank stock	127	—
Purchases of Federal Reserve Bank of St. Louis stock	(3)	(3)
Purchases of available-for-sale securities	(6,969)	(2,737)
Purchases of long-term investments and other assets	(150)	(50)
Redemptions of long-term investments and other assets	432	—
Purchases of premises and equipment	(901)	(1,431)
Proceeds from sale of foreclosed assets	82	4
Net cash used in investing activities	(83,906)	(100,626)
Cash Flows From Financing Activities:
Net increase (decrease) in demand deposits and savings accounts	37,970	(87,791)
Net (decrease) increase in certificates of deposits	(38,832)	184,874
Net increase in securities sold under agreements to repurchase	5,000	5,602
Proceeds from Federal Home Loan Bank advances	1,300	260,000
Repayments of Federal Home Loan Bank advances	(3,314)	(255,014)
Purchase of treasury stock	(446)	—
Dividends paid on common stock	(2,820)	(2,594)
Net cash (used in) provided by financing activities	(1,142)	105,077
(Decrease) increase in cash and cash equivalents	(68,748)	14,443
Cash and cash equivalents at beginning of period	192,859	60,904
Cash and cash equivalents at end of period	$124,111	$75,347
Supplemental disclosures of cash flow information:
Noncash investing and financing activities:
Conversion of loans to foreclosed real estate	$395	$—
Conversion of loans to repossessed assets	75	7
Right of use (ROU) assets obtained in exchange for lease obligations: Operating Leases	30	—

Cash paid during the period for:
Interest (net of interest credited)	$1,753	$1,978
Income taxes	6,066	4,022

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SOUTHERN MISSOURI BANCORP, INC.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.