Southern Missouri Bancorp, Inc. filings document formal disclosures for a Missouri bank holding company whose common stock trades on the NASDAQ Stock Market under SMBC. Recent Form 8-K reports record preliminary operating results and financial condition updates for Southern Bank, quarterly dividend declarations, investor presentation materials furnished under Regulation FD, and other events affecting the holding company.
The filing record also includes governance disclosures such as amended and restated bylaws, annual meeting voting results, director elections, advisory executive-compensation votes, auditor ratification, securities information for common stock, and exhibit filings with Inline XBRL cover data.
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.
SMBC reported a sale notification for 2,000 shares of Common Stock related to a stock option exercise on 05/27/2026. The filing also shows 2,000 shares of Common Stock were sold on 05/21/2026 by Richard Windes.
Southern Missouri Bancorp EVP and Chief Lending Officer Richard Windes exercised stock options to acquire 2,000 shares of common stock at an exercise price of $37.40 per share. Following the exercise, he directly holds 7,375 common shares and also has 2,178.491 shares held indirectly through a 401(k) plan.
After this transaction, he continues to hold several additional stock option awards for common stock with exercise prices ranging from $34.91 to $60.42 per share and expirations between February 2023 and February 2035, indicating a remaining long-term equity incentive position.
Southern Missouri Bancorp EVP and Chief Lending Officer Richard Windes reported an open-market sale of 2,000 shares of Common Stock at $68.4725 per share. After this transaction on May 21, 2026, he held 5,375 Common shares directly.
Windes also reported indirect ownership of 2,178.491 Common shares through a 401(k) plan, plus multiple stock option awards on Southern Missouri Bancorp common stock with exercise prices ranging from $34.91 to $60.42 per share and expiration dates from February 2030 through February 2035, vesting in 20% installments over five years.
SOUTHERN MISSOURI BANCORP, INC. director Rebecca J. Brooks reported changes in how some of her common stock holdings are structured, tied to an estate distribution. The filing shows one indirect holding of 20,000 shares held by a family trust going to zero and a new indirect holding of 10,000 shares held by the Rebecca Brooks GST Non Exempt Trust. A separate entry indicates she directly holds 31,800 common shares following these updates. According to the footnote, 10,000 shares were distributed to her and 10,000 shares to an unaffiliated beneficiary as part of the estate, and the transactions are stated to be exempt from Section 16(b), indicating they are estate-related restructurings rather than open-market trading.
Southern Missouri Bancorp EVP Mark E. Hecker reported an update to his holdings, mainly reflecting an inheritance and existing benefit-plan positions, rather than market trading. He directly received 1,220.684 shares of common stock at $0.00 per share through an estate or will transfer described as a distribution of the Estate of Patsy Hecker, which is noted as exempt from Section 16(b).
The filing also lists indirect common stock held in a spouse IRA, an IRA, and a 401(k), with the 401(k) position reflecting contributions since his last ownership report. In addition, Hecker holds multiple stock options (rights to buy common stock) with exercise prices between the mid-$30s and low-$60s and expiration dates from 2028 through 2036, many of which vest in 20% annual installments over five years.