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Southern Missouri Bancorp, Inc. (SMBC) is a Missouri-based bank holding company for Southern Bank with total assets of $5.2 billion, deposits of $4.4 billion, and stockholders’ equity of $590.7 million at June 30, 2026. Operations are concentrated in community banking across Missouri, Arkansas, Illinois, and Kansas.
Lending is heavily real-estate focused: net loans were $4.34 billion, with mortgage loans (residential, commercial, multifamily, construction, agriculture real estate) comprising 82.0% of the portfolio and commercial and agriculture-related credits most of the remainder. Fixed-rate loans represented about two-thirds of loans, with the balance adjustable-rate.
Asset quality remains relatively strong but has weakened: nonperforming assets increased to $33.5 million, or 0.64% of total assets, driven by several commercial and agricultural relationships and higher other real estate owned. The allowance for credit losses was $54.9 million (1.25% of total loans and about 199% of nonaccrual loans). Deposits are diversified by product, time deposits total $1.74 billion, and outstanding FHLB advances were $130.4 million. Commitments to extend credit were $948.5 million, and the bank also maintains a sizable portfolio of mortgage-backed and other securities for liquidity and interest-rate risk management.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) director Todd E. Hensley reported open‑market sales of a total of 15,600 shares of common stock. On September 8, 2026 he sold 4,749 shares at a weighted average price of $73.48 per share, and on September 9, 2026 he sold 10,422 shares at a weighted average price of $72.63 and 429 shares at a weighted average price of $73.29. The company indicates these prices are weighted averages over the specified intraday ranges, and no Rule 10b5-1 trading plan is reported.
Southern Missouri Bancorp, Inc. (SMBC) director Todd E. Hensley has filed a Form 144 indicating an intention to sell 15,600 shares of common stock through Goldman Sachs & Co. LLC. The shares are listed for potential sale on the NASD with an approximate sale date of September 8, 2026.
The notice shows these shares were acquired primarily as restricted stock units granted as compensation between 2015 and 2024, plus 10,000 shares acquired upon option exercise on February 14, 2024. The filing also reports that there were 11,011,109 shares outstanding of SMBC common stock at the time referenced.
Southern Missouri Bancorp, Inc. (SMBC) executive Mark E. Hecker, EVP-Chief Credit Officer, reported open-market sales of a total of 2,685 shares of common stock on 2026-08-18 from IRA-related indirect holdings at prices around $75.49–$75.61. These sales included 1,600 shares at $75.49, 900 shares at $75.61, and 185 shares at $75.51 from a Spouse IRA, after which that Spouse IRA position was reduced to 0 shares. Hecker continues to hold 10,065 shares directly and 2,052.402 shares indirectly through a 401(k), along with multiple outstanding stock option grants over various expiration dates and exercise prices, including options over 1,500 underlying shares at an exercise price of $62.96 expiring on 2036-02-24.
SOUTHERN MISSOURI BANCORP, INC. (SMBC) officer Mark E. Hecker has filed a Rule 144 notice for a proposed sale of 185 shares of the company’s common stock. The shares are to be sold through Fidelity Investments on NASDAQ, with an indicated aggregate market value of $14,061.00. The filing notes that these shares were originally acquired on 08/28/2017, and the proposed sale date referenced is 08/18/2026. The notice is signed by National Financial Services LLC as attorney-in-fact for Mark E. Hecker.
Southern Missouri Bancorp EVP‑Chief Credit Officer Mark E. Hecker exercised employee stock options for 4,000 shares of common stock on July 29, 2026, including 2,000 shares at $37.31 per share and 2,000 shares at $34.35 per share.
The aggregate $143,320 exercise price was satisfied by delivering 1,830 previously owned shares to the issuer at an implied price of $78.31 per share plus $13 in cash. He also reports indirect holdings of 2052.6630 shares in a 401(k), 10,630 in an IRA and 185 in a spouse IRA, and continues to hold multiple option awards with exercise prices between $34.91 and $62.96.
Southern Missouri Bancorp, Inc. reported that investor presentation materials are being provided in connection with a Regulation FD communication. The materials, dated July 27, 2026, are attached as Exhibit 99.1 and are scheduled to be presented on Tuesday, July 28, 2026 at the Keefe, Bruyette & Woods (KBW) Summer Bank Conference.
The report also lists an Exhibit 104 cover page interactive data file embedded within Inline XBRL documents. No financial statements or earnings results are described in this summary; the focus is on making the investor presentation broadly available.
Southern Missouri Bancorp, Inc. reported preliminary fourth-quarter fiscal 2026 net income of $20.3 million, up $4.5 million or 28.5% from a year earlier, with diluted EPS of $1.83, up $0.44. For fiscal 2026, preliminary net income was $71.8 million, up 22.6%, and diluted EPS was $6.43, up 24.1%. Quarterly net interest income rose to $44.4 million, a 10.1% increase, as net interest margin expanded to 3.67%. Noninterest income grew modestly, while noninterest expense declined 1.7%, improving the efficiency ratio to 49.3% from 54.6%.
Total assets reached $5.2 billion at June 30, 2026, up 4.3% year over year, driven by net loans of $4.3 billion, up 7.1%. Deposits were $4.4 billion, up 3.0%, and the average loan-to-deposit ratio for the quarter was 99.7%. Asset quality softened: nonperforming loans were $27.7 million, or 0.63% of gross loans, and nonperforming assets were $33.5 million, or 0.64% of total assets, both above prior-year levels. The allowance for credit losses was $54.9 million, equal to 1.25% of gross loans and 199% of nonperforming loans.
Stockholders’ equity totaled $590.7 million, with an equity-to-assets ratio of 11.28%. The board declared the 129th consecutive quarterly dividend, increasing the quarterly cash dividend to $0.27 per share, up $0.02 or 8.0%, payable August 31, 2026, to holders of record on August 14, 2026. During fiscal 2026, the company repurchased 317,000 shares for $18.6 million at an average price of $58.59 per share.
Southern Missouri Bancorp EVP and Chief Lending Officer Richard Windes reported an open-market sale of 2,000 shares of Common Stock on June 5, 2026 at a weighted average price of $69.70 per share. According to a footnote, the shares were sold at prices ranging from $69.65 to $69.93.
Following the sale, Windes directly owned 5,375 Common Stock shares and held an additional 2,186.283 shares indirectly through a 401(k) plan. He also retained multiple stock option awards on Common Stock with exercise prices between $34.91 and $60.42 per share and expiration dates from February 10, 2031 through February 18, 2035, indicating a continuing equity position in the company.