SOUTHERN MISSOURI BANCORP, INC.

For the period ended Mar 31, 2026. Filed May 8, 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.

Mar 31, 2026 · Filed May 8, 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 NINE- MONTH PERIODS ENDED MARCH 31, 2026 AND 2025 (Unaudited)


· · Three months ended · Nine months ended
· March 31, · · March 31,
(dollars in thousands except per share data) · · 2026 · · 2025 · · 2026 · · 2025
Interest Income
Loans	$65,398	$62,656	$197,832	$187,492
Investment securities	1,195	1,368	3,765	4,472
Mortgage-backed securities	3,707	4,316	11,791	12,317
Other interest-earning assets	659	1,585	2,833	2,447
Total interest income	70,959	69,925	216,221	206,728
Interest Expense
Deposits	26,172	28,795	82,811	87,129
Securities sold under agreements to repurchase	200	189	604	575
Advances from FHLB	1,070	1,076	3,231	3,501
Subordinated debt	362	386	1,132	1,239
Total interest expense	27,804	30,446	87,778	92,444
Net Interest Income	43,155	39,479	128,443	114,284
Provision for Credit Losses	2,080	932	8,260	4,023
Net Interest Income After Provision for Credit Losses	41,075	38,547	120,183	110,261
Noninterest Income
Deposit account charges and related fees	2,331	2,048	7,125	6,469
Bank card interchange income	1,592	1,341	4,736	4,142
Loan servicing fees	245	224	759	741
Other loan fees	27	843	385	2,851
Net realized gains on sale of loans	226	114	568	608
Net realized gains on sale of AFS securities	—	48	—	48
Earnings on bank owned life insurance	677	512	1,777	1,551
Insurance brokerage commissions	353	340	1,017	927
Wealth management fees	944	902	2,732	2,475
Other income	695	294	1,341	893
Total noninterest income	7,090	6,666	20,440	20,705
Noninterest Expense
Compensation and benefits	14,054	13,771	40,770	41,906
Occupancy and equipment, net	4,040	3,869	11,662	11,143
Data processing expense	2,770	2,359	7,950	6,754
Telecommunications expense	308	330	964	1,111
Deposit insurance premiums	495	674	1,715	1,734
Legal and professional fees	521	603	2,074	2,430
Advertising	553	530	1,705	1,518
Postage and office supplies	373	350	1,006	939
Intangibles amortization	709	889	2,374	2,683
Foreclosed property expenses/losses	108	37	198	123
Other operating expense	2,292	1,979	6,127	5,768
Total noninterest expense	26,223	25,391	76,545	76,109
Income Before Income Taxes	21,942	19,822	64,078	54,857
Total Income Taxes	4,181	4,139	12,518	12,065
Net Income	$17,761	$15,683	$51,560	$42,792

Basic earnings per share	$1.60	$1.39	$4.61	$3.79
Diluted earnings per share	$1.60	$1.39	$4.59	$3.79
Dividends paid per share	$0.25	$0.23	$0.75	$0.69

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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.