SOUTHERN MISSOURI BANCORP, INC.
For the period ended Sep 30, 2025. Filed Nov 7, 2025.
View on SEC.govAbout 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
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
- Condensed Consolidated Statements of Income
FOR THE THREE- MONTH PERIODS ENDED SEPTEMBER 30, 2025 AND 2024 (Unaudited)
| | | | | | | |
|---|---|---|---|---|---|---|
| · · Three months ended | ||||||
| | September 30, | |||||
| (dollars in thousands except per share data) | 2025 | 2024 | ||||
| Interest Income | | | | | | |
| Loans | | $66,460 | | $61,753 | ||
| Investment securities | | 1,305 | | 1,621 | ||
| Mortgage-backed securities | | 4,151 | | 3,926 | ||
| Other interest-earning assets | | 1,114 | | 78 | ||
| Total interest income | | 73,030 | | 67,378 | ||
| Interest Expense | | | | | | |
| Deposits | | 28,940 | | 28,796 | ||
| Securities sold under agreements to repurchase | | | 200 | | | 160 |
| Advances from FHLB | | 1,081 | | 1,326 | ||
| Subordinated debt | | 391 | | 435 | ||
| Total interest expense | | 30,612 | | 30,717 | ||
| Net Interest Income | | 42,418 | | 36,661 | ||
| Provision for Credit Losses | | 4,500 | | 2,159 | ||
| Net Interest Income After Provision for Credit Losses | | 37,918 | | 34,502 | ||
| Noninterest Income | | | ||||
| Deposit account charges and related fees | | 2,365 | | 2,184 | ||
| Bank card interchange income | | 1,530 | | 1,499 | ||
| Loan servicing fees | | 263 | | 286 | ||
| Other loan fees | | 194 | | 1,063 | ||
| Net realized gains on sale of loans | | 175 | | 361 | ||
| Earnings on bank owned life insurance | | 548 | | 517 | ||
| Insurance brokerage commissions | | | 319 | | | 287 |
| Wealth management fees | | | 851 | | | 730 |
| Other income | | 328 | | 247 | ||
| Total noninterest income | | 6,573 | | 7,174 | ||
| Noninterest Expense | | | ||||
| Compensation and benefits | | 13,065 | | 14,397 | ||
| Occupancy and equipment, net | | 3,788 | | 3,689 | ||
| Data processing expense | | 2,513 | | 2,171 | ||
| Telecommunications expense | | 347 | | 428 | ||
| Deposit insurance premiums | | 620 | | 472 | ||
| Legal and professional fees | | 1,075 | | 1,208 | ||
| Advertising | | 614 | | 546 | ||
| Postage and office supplies | | 300 | | 306 | ||
| Intangibles amortization | | 857 | | 897 | ||
| Foreclosed property expenses/losses | | 58 | | 12 | ||
| Other operating expense | | 1,814 | | 1,715 | ||
| Total noninterest expense | | 25,051 | | 25,841 | ||
| Income Before Income Taxes | | 19,440 | | 15,835 | ||
| Income Taxes | | | | | | |
| Current | | | | | | |
| Deferred | | | | | | |
| Total Income Taxes | | 3,790 | | 3,377 | ||
| Net Income | | $15,650 | | $12,458 | ||
| | | | | | | |
| Basic earnings per share | | $1.39 | | $1.10 | ||
| Diluted earnings per share | | $1.38 | | $1.10 | ||
| Dividends paid per share | | $0.25 | | $0.23 | ||
-4-
SOUTHERN MISSOURI BANCORP, INC
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.