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

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

- Condensed Consolidated Statements of Income

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


· · Three months ended · Six months ended
· December 31, · · December 31,
(dollars in thousands except per share data) · · 2025 · · 2024 · · 2025 · · 2024
Interest Income
Loans	$65,975	$63,082	$132,434	$124,835
Investment securities	1,265	1,483	2,570	3,105
Mortgage-backed securities	3,933	4,075	8,084	8,001
Other interest-earning assets	1,059	784	2,174	862
Total interest income	72,232	69,424	145,262	136,803
Interest Expense
Deposits	27,699	29,538	56,639	58,334
Securities sold under agreements to repurchase	204	226	404	386
Advances from FHLB	1,080	1,099	2,161	2,425
Subordinated debt	379	418	770	853
Total interest expense	29,362	31,281	59,974	61,998
Net Interest Income	42,870	38,143	85,288	74,805
Provision for Credit Losses	1,680	932	6,180	3,091
Net Interest Income After Provision for Credit Losses	41,190	37,211	79,108	71,714
Noninterest Income
Deposit account charges and related fees	2,429	2,237	4,794	4,421
Bank card interchange income	1,614	1,301	3,144	2,801
Loan servicing fees	250	232	513	518
Other loan fees	164	944	358	2,007
Net realized gains on sale of loans	167	133	342	494
Earnings on bank owned life insurance	552	522	1,100	1,039
Insurance brokerage commissions	345	300	664	587
Wealth management fees	936	843	1,788	1,573
Other income	319	353	646	599
Total noninterest income	6,776	6,865	13,349	14,039
Noninterest Expense
Compensation and benefits	13,651	13,737	26,715	28,134
Occupancy and equipment, net	3,834	3,585	7,622	7,274
Data processing expense	2,666	2,224	5,179	4,395
Telecommunications expense	309	354	656	782
Deposit insurance premiums	600	588	1,220	1,060
Legal and professional fees	478	619	1,553	1,827
Advertising	538	442	1,152	988
Postage and office supplies	333	283	633	589
Intangibles amortization	808	897	1,664	1,794
Foreclosed property expenses/losses	31	73	90	85
Other operating expense	2,022	2,074	3,837	3,790
Total noninterest expense	25,270	24,876	50,321	50,718
Income Before Income Taxes	22,696	19,200	42,136	35,035
Total Income Taxes	4,546	4,547	8,336	7,925
Net Income	$18,150	$14,653	$33,800	$27,110

Basic earnings per share	$1.62	$1.30	$3.00	$2.40
Diluted earnings per share	$1.62	$1.30	$3.00	$2.40
Dividends paid per share	$0.25	$0.23	$0.50	$0.46

-4-

SOUTHERN MISSOURI BANCORP, INC

ContentsView on SEC.gov

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