SOUTHERN MISSOURI BANCORP, INC.

For the period ended Dec 31, 2025. Filed Feb 6, 2026.

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.

Dec 31, 2025 · Filed Feb 6, 2026

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 SIX- MONTH PERIODS ENDED DECEMBER 31, 2025 AND 2024 (Unaudited)


· · Six months ended ·
· December 31, ·
(dollars in thousands) · · 2025 · · 2024 ·

Cash Flows From Operating Activities:
Net Income	$33,800	$27,110
Items not requiring (providing) cash:
Depreciation	3,288	3,222
Loss on disposal of fixed assets	—	48
Stock option and stock grant expense	242	678
Loss (gain) on sale/write-down of foreclosed property	14	(19)
Amortization of intangible assets	1,664	1,794
Accretion of purchase accounting adjustments	(1,486)	(1,887)
Increase in cash surrender value of bank owned life insurance (BOLI)	(1,100)	(1,039)
Provision for credit losses	6,180	3,091
Net amortization of premiums and discounts on securities	(436)	(844)
Originations of loans held for sale	(13,115)	(7,977)
Proceeds from sales of loans held for sale	12,617	9,089
Gain on sales of loans held for sale	(342)	(494)
Changes in:
Accrued interest receivable	(6,585)	(4,254)
Prepaid expenses and other assets	662	968
Accounts payable and other liabilities	1,261	2,573
Deferred income taxes	980	—
Accrued interest payable	(94)	(1,929)
Net cash provided by operating activities	37,550	30,130
Cash Flows From Investing Activities:
Net increase in loans	(129,343)	(176,829)
Net change in interest-bearing deposits	—	248
Proceeds from maturities of available for sale securities	38,778	33,844
Purchases of Federal Home Loan Bank stock	(221)	(290)
Redemptions of Federal Home Loan Bank stock	176	—
Purchases of Federal Reserve Bank of St. Louis stock	(7)	(7)
Purchases of available-for-sale securities	(18,951)	(71,844)
Purchases of long-term investments and other assets	(150)	(50)
Redemptions of long-term investments and other assets	432	—
Purchases of premises and equipment	(1,998)	(3,415)
Investments in state & federal tax credits	(1,431)	(1,934)
Proceeds from sale of foreclosed assets	508	2,115
Net cash used in investing activities	(112,207)	(218,162)
Cash Flows From Financing Activities:
Net increase in demand deposits and savings accounts	83,581	41,536
Net (decrease) increase in certificates of deposits	(56,582)	226,040
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	(3,327)	(255,027)
Purchases of treasury stock	(8,503)	—
Dividends paid on common stock	(5,610)	(5,189)
Net cash provided by financing activities	15,859	272,962
(Decrease) increase in cash and cash equivalents	(58,798)	84,930
Cash and cash equivalents at beginning of period	192,859	60,904
Cash and cash equivalents at end of period	$134,061	$145,834
Supplemental disclosures of cash flow information:
Noncash investing and financing activities:
Conversion of loans to foreclosed real estate	$1,305	$625
Conversion of loans to repossessed assets	80	44
Right of use (ROU) assets obtained in exchange for lease obligations: Operating Leases	132	—
Investment tax credits obtained in exchange for delayed capital contributions	20,736	—
Investment tax credits obtained in exchange for settlement of loans	500	—
Cash paid during the period for:
Interest (net of interest credited)	$3,877	$4,240
Income taxes	7,411	4,038

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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.