SOUTHERN MISSOURI BANCORP, INC.
For the period ended Jun 30, 2025. Filed Sep 11, 2025.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Sep 11, 2025
SMBC$71.92+2.1%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Table of Contents
| · | ||
|---|---|---|
| | | Page |
| PART I | | 3 |
| | | |
| Item 1. | Description of Business | 3 |
| Item 1A. | Risk Factors | 39 |
| Item 1B. | Unresolved Staff Comments | 52 |
| Item 1C. | Cybersecurity, Risk Management, Strategy and Governance | 52 |
| Item 2. | Description of Properties | 54 |
| Item 3. | Legal Proceedings | 55 |
| Item 4. | Mine Safety Disclosures | 55 |
| Item 4A. | Information About Our Executive Officers | 55 |
| | | |
| PART II | | 58 |
| | | |
| Item 5. | Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | 58 |
| Item 6. | [Reserved] | 59 |
| Item 7. | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 60 |
| Item 7A | Quantitative and Qualitative Disclosures About Market Risk | 75 |
| Item 8. | Financial Statements and Supplementary Information | 77 |
| Item 9. | Changes in and Disagreements With Accountants on Accounting and Financial Disclosure | 136 |
| Item 9A. | Controls and Procedures | 136 |
| Item 9B. | Other Information | 140 |
| Item 9C. | Disclosure Regarding Foreign Jurisdictions that Prevent Inspections | 140 |
| | | |
| PART III | | 141 |
| | | |
| Item 10. | Directors, Executive Officers, and Corporate Governance | 141 |
| Item 11. | Executive Compensation | 141 |
| Item 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters | 142 |
| Item 13. | Certain Relationships, Related Transactions, and Director Independence | 142 |
| Item 14. | Principal Accountant Fees and Services | 142 |
| | | |
| PART IV | | 143 |
| | | |
| Item 15. | Exhibits and Financial Statement Schedules | 143 |
| Signatures | | 145 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.